KR20100009971A - Mobile credit card/gift card system and method for paying using a mobile terminal - Google Patents

Abstract

PURPOSE: A mobile credit card/gift card system and a method for paying using a mobile terminal are provided to enabling a seller to request the payment using a purchaser terminal. CONSTITUTION: A payment information transmission/reception processing unit(160) transmits and receives a payment confirmation request and payment check program to and from a purchaser terminal. The payment information transmission/reception processing unit performs the request of a purchase credit card or gift certificate according to the signal form the purchase mobile terminal. A payment performing unit(170) performs gift certificate settlement or credit card settlement for the article or service based on the payment request and approval information. A processing result informing unit(190) informs the settlement processing results to the purchaser system or terminal.

Description

Credit card and gift card payment system and method using mobile terminal {MOBILE CREDIT CARD / GIFT CARD SYSTEM AND METHOD FOR PAYING US MOBILE TERMINAL}

The present invention relates to a payment system and method using a mobile terminal, and in particular, the buyer does not need to present a credit card to the seller's inquiry machine or payment machine, when the buyer wants to pay at a distance from the buyer's request A credit card and gift certificate payment system and method using a mobile terminal that can be paid using a mobile terminal.

In general, when a buyer purchases a seller's goods or services, the payment method is mostly made in cash or by using a credit card owned by the buyer. If a credit card is used, the merchant registers as a credit card merchant. The seller requests a payment directly to the card company using a device such as a card inquiry machine, and accordingly, when the payment approval information is provided from the card company, the seller provides a predetermined item or service to the buyer. However, in this case, the buyer delivers the credit card to the seller or directly provides the credit card information such as the card number to the seller's terminal, so that the seller's credit card or card number is stolen by a malicious seller. It often happens. In addition, credit cards that must be held in order to use these payment methods are frequently lost, and even if lost, they are used for high-value transactions of more than tens of thousands of dollars rather than small transactions. While they are not aware of the loss, they are frequently used for malicious transactions such as fraudulent transactions. In addition, such a credit card payment can be made through an offline card merchant equipped with payment equipment or a shopping mall system on the Internet, and most delivery services, insurance sales, logistics services, delivery and return services, TV home shopping, agency operation services, It is hardly made in sales through quick service, mail order, and door-to-door sales. The service sector is a service business group that is cumbersome and difficult for a buyer who wants to purchase to visit a goods or service store in person and purchase the goods.

To solve this inconvenience, credit card payments have been made in several cases in the current market. As an example of this case, when the buyer calls the seller directly, and the telephone connection is established, the user provides the personal information such as a credit card number for paying for the goods over the telephone, The retailer who received this personal information requests payment from the credit card payment server using the user's credit card number, receives the approval of the payment request from the credit card company, and informs the buyer that the payment has been completed by telephone. . Even in the case of this payment method, the buyer is not only inconvenient to inform the seller or the company of personal information such as the credit card number of the buyer through a communication medium such as a telephone every time the purchase of goods or services, but also the eavesdropping and the seller of the phone. Alternatively, the credit card number and personal information are often leaked and stolen due to the malicious intention of the company or neglect of the management of the seller, and in this case, there is a problem that may seriously damage the user. In addition, since the user needs to provide the card information to the retailer at the time of payment, the user may be reluctant to purchase due to the risk of leakage of the information to a third party. In addition, in the case of a seller or a seller, for example, such as home shopping, when using a method of payment by credit card using the method described above, the consultation time due to the need to consult the customer's credit card number and personal information Due to this long period of time, there is a problem of increasing the call center operation cost of home shopping, and even after the consultation is completed, the final purchase cannot be made due to the dye due to the leakage of the card information of the buyer, thereby lowering the actual purchase rate. There is a problem that becomes a factor.

In addition, as another example of the case, recently, a person who delivers or sells an item carries a wireless card payment machine directly, delivers an item or service to a user, and receives card information directly from the user to pay the card using the card payment machine. This is the way to do it. However, in this case, it is practically impossible to have a portable wireless card payer at every salesperson or person who delivers it in most stores. In particular, in this case, there is a problem such as a high cost additionally.

In addition, as another example of the case, the conventional payment related technology includes payment information about the goods or services purchased by the purchaser, along with the purchaser's card information and personal information to the mobile terminal via SMS (short message) or mobile terminal communication method. There is also a technique for directly inputting and transmitting directly to a seller or a card company through a mobile communication company. This conventional technology is inconvenient to enter all the goods or service information, card information, etc. purchased by the buyer every time, and also has the problem of theft and leakage of the third party. From the seller's point of view, there is a problem that the buyer can change the payment contents for malicious intention, and it is difficult to authenticate the actual purchase of the buyer.

Payment for goods or services that include payment methods such as gift certificates, such as Points, membership cards, value-added gift certificates, named gift certificates, etc. (hereinafter referred to as "gift certificates" for convenience) also have the same problems as in the above examples. In this case, the customer should always carry the gift card, and also ask the seller whether the gift card gift card can be paid when he / she wants to pay for the goods or services. In addition, in the case of gift certificates, the seller can only check the authenticity by the authentication number of the gift certificate, it is difficult to automate the authentication. Another example is the use of vouchers in the same format as mobile vouchers, security of other people's use, and authentication issues.

The technical problem to be achieved by the present invention is to solve the conventional problems, the buyer or the user (hereinafter referred to as "buyer") after the purchase decision of goods or services, the seller or seller (hereinafter referred to as "seller") Payment request of information such as details of the goods or services that the buyer decides to purchase, seller details, price details, etc. (hereinafter referred to as "purchase goods payment information") is transferred to the mobile payment processing system (hereinafter referred to as "mobile payment server"). Requesting, the mobile payment server is a function for displaying according to the purchaser's mobile terminal specifications (hereinafter referred to as "payment formatter") and credit card or gift card that is operated on the buyer's mobile terminal, so that the buyer can confirm the purchased goods The payment request is made due to the automatic installation and execution of the mobile payment interlocking program, which enables payment. It is to provide a payment system and method using a mobile terminal that can perform the second processing and receipt processing.

In addition, the technical problem to be achieved by the present invention is to include a payment formatter when a buyer wants to pay by means such as a mobile credit card or a mobile voucher, the buyer does not have to find and perform the program or device directly in the mobile terminal, Short messages asking the buyer for the intention of payment and linked programs according to the response of the message can be automatically executed or linked to enable automatic payment requests, and payment processing and receipt processing for these payment requests can be performed. It is to provide a payment system and method using a mobile terminal that can be done.

In addition, the technical problem to be achieved by the present invention anytime, anywhere, even if the mobile credit card or gift certificate is not installed in advance, the buyer can easily approve the payment information of the purchase goods, request a credit card payment or gift voucher payment, the payment processing and It is to provide a payment system and a method for processing a receipt.

In addition, the technical problem to be achieved by the present invention is to provide a system and a method for the seller and the buyer can stably perform payment for goods or services sold without additional equipment.

In addition, the technical problem to be achieved by the present invention is to provide a payment system and a method that allows the purchaser to easily approve purchase goods payment information, request a credit card payment, and process payment and receipt thereof, anytime, anywhere.

In addition, the technical problem to be achieved by the present invention anytime, anywhere, when the buyer wants to pay, the mobile payment server automatically generates a gift certificate available to the buyer, the buyer can easily approve purchase goods payment information, and can request a gift certificate payment The present invention provides a payment system and a method for processing the payment and receipt thereof.

In addition, the technical problem to be achieved in the present invention is in connection with a number of credit card companies, gift voucher issuer or certification company that provides a variety of access methods, such as payment by credit card payment or gift voucher using a mobile terminal of the buyer collectively It is to provide a payment system and a method that can be performed with.

In order to achieve the above technical problem, the mobile credit card payment processing method according to an aspect of the present invention, the buyer's mobile terminal, seller terminal or through a network, including wired and wireless Internet network, telephone network, leased line network and mobile communication network of the mobile carrier or Mobile credit card payment, processing and processing connected to a payment related server comprising a merchant system (hereinafter referred to as a "merchant system") and a card company server, a bank company server, and a carrier server (hereinafter referred to as "payment related servers"); A method of performing a credit card payment using a mobile terminal of a buyer with respect to goods or services determined by a buyer in an operation system (hereinafter referred to as a "mobile payment server"),

(a) a network based on an internet or telephone network by a seller's system of sellers of goods or services (collectively referred to as "purchased") that the buyer has made or intends to buy (collectively referred to as "purchased"); Making a payment request to the mobile payment server through the purchase goods payment information-a description of the goods or services sold, the seller details, the price details, and the buyer related information (including the buyer's mobile terminal number);

(b) receiving, by the mobile payment server, the purchase goods payment information from the seller system of step (a), and determining whether the seller is affiliated with the mobile payment;

(c) after the mobile payment server determines the possibility of step (b), the purchase confirmation short message and the payment check for the item purchased by the buyer in the mobile terminal telephone number of the buyer from the buyer information received in step (a). Combining and generating a program (hereinafter referred to as "purchasing confirmation EI-SMS") and transmitting it to the buyer's mobile terminal in the form of a short message using a network of the mobile communication network;

(d) The purchaser's mobile terminal receives the EI-SMS in step (c), and the received payment check program checks whether the mobile communication program is installed in the purchaser's terminal, and automatically installs or links the program. Displaying the purchased goods information from the seller on the buyer's mobile terminal in accordance with the characteristics of the buyer's terminal, and confirming the purchased goods information;

(e) the purchaser confirms the payment information of step (d), and the purchaser's mobile terminal executes a mobile payment program such as a mobile credit card generated or associated with the result of step (d); Generating authorization information, including a purchase order number, encrypted credit card information of SSL, and transmitting the same to the mobile payment server through a network of a mobile communication network;

(f) The mobile payment server generates credit card payment information for the article based on the authorization information received from the buyer mobile terminal in step (e), and makes a credit card payment for the article in connection with the payment related server. Performing;

(g) receiving the payment processing result from the payment related server; And

(h) updating / adding an associated DB of the mobile payment server on the basis of the payment processing result of step (g), and processing payment to the seller system of step (a) and the buyer mobile terminal of step (d) Notifying the step.

In addition, the method of transmitting and receiving the related device and the server through the network of the mobile communication network is based on the EI-SMS such as a short message, and when the program of the mobile terminal of the purchaser (Execution) to use the data communication network of the mobile communication network It will be appreciated by those of ordinary skill in the art. All data of the data communication network is an encrypted text file, and it is preferable that it be interpreted and managed according to specific management protocols illustrated and described in the present invention.

In addition, the purchase item payment information provided by the seller in step (a) excludes the buyer's credit card information (because the seller knows only the buyer's intention to pay by the credit card and does not know the buyer's credit card information), The mobile payment server collects credit card information based on a payment interworking program of the buyer mobile terminal.

In addition, if the seller is not registered as an affiliated store for the mobile payment processing during the authentication process of step (b), or if it is not authenticated due to the expiration of the period, or the purchase goods payment information from the seller system is not complete. If not, the seller system is notified and managed.

The mobile payment server of step (c) receives the terminal type, terminal model number, terminal characteristic information, and service status information of the mobile terminal from the associated mobile telecommunication company server, and based on this, purchase goods payment information suitable for the characteristics of the buyer terminal. Buyer mobile terminal by generating metadata (including terminal information, terminal characteristic information, specification of goods or services, seller's specification, price specification, vendor's necessary information including company logo, promotion information, and request time) Manage to work with your mobile payment program.

In addition, in step (h), it is preferable to notify the purchaser mobile terminal of the payment processing result through a mobile communication network in the form of a short message.

In addition, the step (d),

(d1) the purchaser mobile terminal receiving the purchase confirmation EI-SMS (purchase confirmation information and payment check program) of the step (c) at the mobile payment server;

(d2) confirming the purchase, the received payment check program is automatically executed (Execution) to determine whether the "mobile payment interworking program" is installed in the mobile terminal of the buyer;

(d3) If the program is not installed in the purchaser's mobile terminal, which is the first user or the user changes the terminal, the payment check program provides payment interworking request information (purchaser mobile terminal number and the associated program identifier). And transmitting to the mobile payment server using a network of a mobile communication network;

(d4) The mobile payment server receives payment interworking request information and requests terminal information-device information, VM type, Version information, and service information from the mobile carrier server in order to generate the associated payment interlocking program. Receiving a processing result;

(d5) The mobile payment server generates a mobile payment interworking program using a mobile terminal suitable for the purchaser's mobile terminal based on the processing result of (c4), and converts the mobile payment interworking program and the purchased goods payment information metadata. Transmitting to a buyer mobile terminal;

(d6) The buyer mobile terminal receives the payment interworking program and the purchase goods payment information metadata of step (c5), and the payment check program of step (c2) automatically executes the received mobile payment interworking program (Execution). The execution of the mobile payment interworking program may include displaying, on the mobile terminal, the purchased goods payment information metadata received in the step (c5);

(d7) If the payment check program received by the buyer's mobile terminal in step (c2) is recognized as a "mobile payment interworking program" in the mobile terminal (if installed), the payment check program executes the mobile payment interworking program. Executing the request and requesting the purchase payment information metadata from the mobile payment server through a network of a mobile communication data communication network;

(d8) the mobile payment server transmitting the purchased goods payment information metadata to the buyer mobile terminal;

(d9) Preferably, the buyer mobile terminal includes receiving and displaying the purchased goods payment information metadata of step (c8) and displaying the metadata on the mobile terminal.

In addition, the mobile payment interworking program operated in the buyer's mobile terminal is not executed by the buyer to find one of several applications of the terminal (Execution), but is automatically executed (Execution) by the EI-SMS, linked purchase goods Payment metadata information is generally less than 1K bytes at maximum.

In addition, the payment check program received in step (d2) has an identifier (program ID) for a program to be executed in the buyer mobile terminal, and checks whether the program is installed in the buyer mobile terminal according to the program ID. According to the mobile payment server, if necessary, change or manage the parameter ID of the payment check program, it is preferable to store and operate it.

In addition, in the steps (d6) and (d9), the mobile payment interworking program includes a payment formatter module, and the payment formatter module specifies a data directory (format) of the buyer mobile terminal according to the directory operation rules specified by the mobile payment server. Metadata directory, etc.), and the stored metadata is interpreted to provide a description of the goods or services, the seller's specifications, the price specifications, the vendor's necessary information, including the company logo and promotional information, and the request time. It is desirable to display according to.

According to another aspect of the present invention, a payment processing method such as a mobile credit card is connected to a mobile terminal of a buyer, a seller system, a payment related server through a network including a wired / wireless internet network, a telephone network, a dedicated line network, and a mobile communication network of a mobile carrier. For the items purchased by the buyer on the mobile payment server, the buyer made payment on the goods, but due to an error such as an error in the price of the goods or an incorrect card use, the credit card payment is canceled using the buyer's mobile terminal. As a way to do it,

(a) Payment authorization cancellation information (including reasons for cancellation, card authorization number, etc.) and repurchased purchases by the seller's terminal or seller's system of the seller selling the goods or services purchased by the buyer through the internet or telephone network; Providing to said mobile payment server payment information-a description of the goods or services to be sold, a seller's description, a price description, and a buyer's information (including a buyer's mobile terminal telephone number, etc.);

(b) the mobile payment server receiving the purchase item payment information from the seller system of step (a) and determining whether the seller is affiliated with the mobile payment;

(c) after the mobile payment server judges the possibility of the step (b), from the purchaser information received in the step (a), to the purchaser's mobile terminal telephone number, the authorization cancellation and re-payment of the goods purchased by the buyer and Combining and generating a payment check program (hereinafter referred to as "authorization cancellation and repayment EI-SMS") and transmitting it to the buyer's mobile terminal in the form of a short message using a network of the mobile communication network;

(d) The purchaser's mobile terminal receives the EI-SMS in step (c), and the received payment check program checks whether the mobile payment interworking program is installed on the purchaser's terminal, and automatically installs or links the program. Displaying the re-approved purchase item information for re-payment from the seller on the purchaser's mobile terminal to match the characteristics of the purchaser's terminal, and confirming the purchase item information;

(e) Executing the mobile credit card module of the interworking program of the purchaser's mobile terminal, re-approval information-previous approval cancellation confirmation information, re-approval purchase goods order number, purchased goods order number, SSL (Secure Sockets Layer) Generating credit card information, etc.) and transmitting it to the mobile payment server through a network of a mobile communication network;

(f) the mobile payment server receives the authorization information of step (d), generates credit card cancellation information and reapproved credit card payment information, and cancels the authorization for the credit card transaction authorization in connection with the payment related server. Performing;

(g) the mobile payment server receiving the cancellation of authorization from the payment related server;

(h) performing a credit card payment on the item in association with the payment related server based on the result of the authorization cancellation processing in step (g);

(i) the mobile payment server receiving the payment processing result from the payment related server; And

(j) updating / adding an associated DB of the mobile payment server based on the payment processing result of step (g) and (i), the seller system of step (a) and the buyer mobile terminal of step (d) And notifying the approval cancellation and re-approval payment processing.

In addition, the purchase item payment information provided by the seller in step (a) excludes the buyer's credit card information (because the seller knows only the buyer's intention to pay by the credit card and does not know the buyer's credit card information), The mobile payment server collects credit card information based on a payment interworking program of the buyer mobile terminal.

In addition, if the seller is not registered as an affiliated store for the mobile payment processing during the authentication process of step (b), or if it is not authenticated due to the expiration of the period, or the purchase goods payment information from the seller system is not complete. If not, the seller system is notified and managed.

The mobile payment server of step (c) receives the terminal type, terminal model number, terminal characteristic information, and service status information of the mobile terminal from the associated mobile telecommunication company server, and based on this, purchase goods payment information suitable for the characteristics of the buyer terminal. Buyer mobile terminal by generating metadata (including terminal information, terminal characteristic information, specification of goods or services, seller's specification, price specification, vendor's necessary information including company logo, promotion information, and request time) Manage to work with your mobile payment program.

In addition, in step (j), it is preferable to notify the purchaser mobile terminal of the payment processing result through a mobile communication network in the form of a short message.

In addition, after the buyer consults with the seller, it is desirable that the seller reconstruct the information about the previous authorization cancellation request and also the new purchased goods or services, and have the mobile payment server process the cancellation / reauthorization payment request in a batch. Do.

In addition, the step (d),

(d1) the buyer mobile terminal receiving the purchase confirmation EI-SMS (acceptance and repayment confirmation information and payment check program) of the step (c) at the mobile payment server;

(d2) canceling the approval and confirming the settlement, the received payment check program is automatically executed (Execution) to determine whether the "mobile payment interworking program" is installed in the mobile terminal of the buyer;

(d3) If the program is not installed in the purchaser's mobile terminal, which is the first user or the user changes the terminal, the payment check program provides payment interworking request information (purchaser mobile terminal number and the associated program identifier). And transmitting to the mobile payment server using a network of a mobile communication network;

(d4) The mobile payment server receives payment interworking request information and requests terminal information-device information, VM type, Version information, and service information from the mobile carrier server in order to generate the associated payment interlocking program. Receiving a processing result;

(d5) The mobile payment server generates a mobile payment interworking program using a mobile terminal suitable for the purchaser's mobile terminal based on the processing result of (c4), and converts the mobile payment interworking program and the purchased goods payment information metadata. Transmitting to a buyer mobile terminal;

(d6) The buyer mobile terminal receives the payment interworking program and the purchase goods payment information metadata of step (c5), and the payment check program of step (c2) automatically executes the received mobile payment interworking program (Execution). The execution of the mobile payment interworking program may include displaying, on the mobile terminal, the purchased goods payment information metadata received in the step (c5);

(d7) If the payment check program received by the buyer's mobile terminal in step (c2) is recognized as a "mobile payment interworking program" in the mobile terminal (if installed), the payment check program executes the mobile payment interworking program. Executing the request and requesting the purchase payment information metadata from the mobile payment server through a network of a mobile communication data communication network;

(d8) the mobile payment server transmitting the purchased goods payment information metadata to the buyer mobile terminal;

(d9) The purchaser mobile terminal includes receiving and displaying the purchased goods payment information metadata of step (c8) and displaying the metadata on the mobile terminal.

In addition, the payment interlocking program operated in the mobile terminal of the buyer is not executed by the buyer to find one of several applications of the terminal (Execution), but is automatically executed (Execution) by the EI-SMS, linked purchase goods payment information Is typically less than 1K bytes at most.

In addition, the payment check program received in step (d2) has an identifier (program ID) for a program to be executed in the buyer mobile terminal, and checks whether the program is installed in the buyer mobile terminal according to the program ID. According to the mobile payment server, if necessary, change or manage the parameter ID of the payment check program, it is preferable to store and operate it.

According to another aspect of the present invention, a payment processing method such as a mobile credit card is connected to a mobile terminal of a buyer, a seller system, a payment related server through a network including a wired / wireless internet network, a telephone network, a dedicated network, and a mobile communication network of a mobile carrier. A payment method for canceling credit card payment authorization using a mobile terminal of a purchaser for goods or services purchased by a buyer from a mobile payment server.

(a) Payment approval cancellation information-payment approval number, seller details, buyer related information (including buyer's mobile terminal number, etc.)-from the merchant system through a network based on the internet network; Requesting;

(b) receiving, by the mobile payment server, the purchase goods payment information from the seller system of step (a), and determining whether the seller is affiliated with the mobile payment;

(c) after the mobile payment server determines the possibility of step (b), the payment approval cancellation short message and payment for the goods purchased by the buyer from the purchaser information received in step (a) to the mobile terminal telephone number of the buyer. Combining and generating a check program (hereinafter referred to as " authorization cancellation EI-SMS ") and transmitting it to the buyer's mobile terminal in the form of a short message using a network of the mobile communication network;

(d) the buyer's mobile terminal receiving the EI-SMS of step (c), and if the payment approval cancellation confirmation is provided from the mobile terminal, transmitting the approval cancellation confirmation information to the mobile payment server;

(e) The mobile payment server generates the approval cancellation request information based on the approval cancellation confirmation information received from the buyer mobile terminal of step (c), and performs the approval cancellation on the transaction approval in connection with the payment related server. Making;

(f) the mobile payment server receiving the cancellation of authorization from the payment related server; And

(g) updating / adding the associated DB of the mobile payment server on the basis of the result of the approval cancellation processing in step (f), and updating the merchant system in step (a) and the buyer mobile terminal in step (d). And notifying the cancellation of authorization.

In addition, if the seller is not registered as an affiliated store for the mobile payment processing during the authentication process of step (b), or if it is not authenticated due to the expiration of the period, or the purchase goods payment information from the seller system is not complete. If not, the seller system is notified and managed.

In addition, in the step (e), the mobile payment server interprets the received approval cancellation confirmation request, and extracts a transaction history corresponding to the cancellation approval information from a database in which transaction details are stored; And requesting confirmation of payment approval cancellation of the transaction details.

In addition, in the step (g), the credit card or gift card payment method of notifying the purchaser mobile terminal of the payment processing result through a mobile communication network in the form of a short message.

In addition, the purchaser does not find and execute one of several applications in his or her own terminal. Instead, the payment interworking program is automatically executed by the EI-SMS received by the buyer's mobile terminal.

In accordance with another aspect of the present invention, a payment processing method, such as a mobile gift certificate, includes a mobile terminal of a buyer, a seller terminal or a seller system, and a payment related server (card company) through a network including a wired / wireless internet network, a telephone network, a dedicated network, and a mobile communication network of a mobile carrier. Server, bank company server, gift voucher issuer server, and mobile carrier server) for the goods or services purchased by the buyer, payment vouchers using the mobile payment server and the buyer's mobile terminal in the seller's payment request As a way to do that,

(a) the seller's terminal or seller's system of the seller selling the goods or services purchased by the buyer through the network based on the Internet network or telephone network payment information-description of seller's goods or services, seller's specification, price specification, buyer Providing relevant information (including a buyer's mobile terminal phone number, buyer identification ID -i-Pin, or name, etc.) to the mobile payment server;

(b) the mobile payment server receiving the purchase goods payment information from the seller system of step (a) and determining whether the seller is affiliated with the mobile payment;

(c) after the mobile payment server determines the possibility of step (b), in step (a), if there is a gift certificate available to the buyer based on the purchaser-related information and the purchased goods information, the mobile payment server generates information on the gift certificate. Combining the purchase confirmation short message and payment check program (hereinafter referred to as 'purchase confirmation EI-SMS') for the goods purchased by the buyer, and transmitting them to the buyer's mobile terminal in the form of a short message using the network of the mobile communication network Making;

(d) The purchaser's mobile terminal receives the EI-SMS in step (c), and the received payment check program checks whether the mobile payment interworking program is installed on the purchaser's terminal, and automatically installs or links the program. Displaying the purchased goods information from the seller on the buyer's mobile terminal in accordance with the characteristics of the buyer's terminal, and confirming the purchased goods information;

(e) When the purchaser confirms the payment information in step (d), the purchaser executes the mobile voucher module of the linked program of the purchaser's mobile terminal, and obtains the authorization information-purchase order number and SSL (Secure Sockets Layer). Generating encrypted gift certificate information and the like and transmitting the encrypted gift certificate information to the mobile payment server through a network of a mobile communication network;

(f) receiving, by the mobile payment server, the approval information of step (e), generating gift certificate payment information, and requesting a gift certificate payment for the goods in association with the payment related server;

(g) receiving the payment processing result from the payment related server; And

(h) updating / adding an associated DB of the mobile payment server on the basis of the payment processing result of step (g), and processing payment to the seller system of step (a) and the buyer mobile terminal of step (d) Notifying the step.

In addition, the method of transmitting and receiving the related device and the server through the network of the mobile communication network is based on the EI-SMS such as a short message, and when the program of the mobile terminal of the purchaser (Execution) to use the data communication network of the mobile communication network It will be appreciated by those of ordinary skill in the art. All data of the data communication network is an encrypted text file, and it is preferable to be interpreted and managed by the specific management protocols illustrated and described in the present invention.

In addition, the purchase goods payment information provided by the seller of step (a) excludes the gift certificate information of the buyer, based on the payment interworking program of the mobile payment server and the buyer mobile terminal, the gift certificate information and payment that can be used by the buyer Collect information.

In addition, if the seller is not registered as an affiliated store for the mobile payment processing during the authentication process of step (b), or if it is not authenticated due to the expiration of the period, or the purchase goods payment information from the seller system is not complete. If not, the seller system is notified and managed.

The mobile payment server of step (c) receives the terminal type, terminal model number, terminal characteristic information, and service status information of the mobile terminal from the associated mobile telecommunication company server, and based on this, purchase goods payment information suitable for the characteristics of the buyer terminal. Buyer mobile terminal by generating metadata (including terminal information, terminal characteristic information, specification of goods or services, seller's specification, price specification, vendor's necessary information including company logo, promotion information, and request time) Manage to work with your mobile payment program.

In addition, the step (c),

(c1) The mobile payment server generates gift certificate information (including gift certificate name, gift certificate authentication number, gift certificate available amount, gift certificate number, BarCode, etc.) based on the purchaser information among the received information. Making; And

(c2) storing the gift certificate information generated in the step (c1) in the association database and generating the gift certificate metadata in a form that can be interpreted by the mobile gift certificate module of the buyer mobile terminal.

In addition, the step (d),

(d1) the purchaser mobile terminal receiving the purchase confirmation EI-SMS (purchase confirmation information and payment check program) of the step (c) at the mobile payment server;

(d2) confirming the purchase, the received payment check program is automatically executed (Execution) to determine whether the 'mobile payment interworking program' is installed in the mobile terminal of the buyer;

(d3) If the program is not installed in the purchaser's mobile terminal, which is the first user or the user changes the terminal, the payment check program provides payment interworking request information (purchaser mobile terminal number and the associated program identifier). And transmitting to the mobile payment server using a network of a mobile communication network;

(d4) The mobile payment server receives payment interworking request information and requests terminal information-device information, VM type, Version information, and service information from the mobile carrier server in order to generate the associated payment interlocking program. Receiving a processing result;

(d5) The mobile payment server generates a mobile payment interworking program using a mobile terminal suitable for the purchaser's mobile terminal based on the processing result of (c4), and the mobile payment interworking program, the gift certificate metadata, and the purchased goods. Transmitting the payment information metadata to the buyer mobile terminal; And

(d6) The buyer mobile terminal receives the payment interworking program and the purchase goods payment information metadata of step (c5), and the payment check program of step (c2) automatically executes the received mobile payment interworking program (Execution). In addition, the executed mobile payment interworking program stores the gift voucher metadata received in step (c5) in the mobile voucher metadata directory of the buyer mobile terminal, and displays the purchased goods payment information metadata on the mobile terminal. Making;

(d7) If the payment check program received by the buyer's mobile terminal in step (c2) is recognized as a "mobile payment interworking program" in the mobile terminal (if installed), the payment check program is the mobile payment interworking program. Executing the request and requesting the purchase payment information metadata from the mobile payment server through a network of a mobile carrier data communication network;

(d8) transmitting, by the mobile payment server, gift voucher metadata and purchase goods payment information metadata to a buyer mobile terminal; And

(d9) the buyer mobile terminal stores the voucher metadata of step (c8) in the mobile voucher metadata directory of the buyer mobile terminal, and receives and displays the purchased goods payment information metadata on the mobile terminal. .

In addition, the payment interlocking program operated in the mobile terminal of the buyer is not executed by the buyer to find one of several applications of the terminal (Execution), but is automatically executed (Execution) by the EI-SMS, linked purchase goods payment information Is typically less than 1K bytes at most.

In addition, the payment check program received in the step (d2) has a parameter (program ID) for the program to be executed in the buyer mobile terminal, and whether the program is installed in the buyer mobile terminal by the program ID, and also If necessary, the mobile payment server includes changing or managing the parameter ID of the payment check program, storing and operating the same as necessary.

In addition, in the steps (d6) and (d9), the mobile payment interworking program includes a payment formatter module, and the payment formatter module specifies a data directory (format) of the buyer mobile terminal according to the directory operation rules specified by the mobile payment server. Metadata directory, etc.), and the stored metadata is interpreted to provide a description of the goods or services, the seller's specifications, the price specifications, the vendor's necessary information, including the company logo and promotional information, and the request time. It is desirable to display according to.

In addition, in step (h), it is preferable to notify the purchaser mobile terminal of the payment processing result through a mobile communication network in the form of a short message.

In addition, the payment system according to another aspect of the present invention is a mobile payment system connected to the buyer mobile terminal, seller terminal or seller payment related system through a network, the purchase for a certain item transaction from the seller terminal or payment system A payment reception unit for receiving goods payment information; A payment information establishment unit that generates and manages data according to a buyer's terminal type and a seller's type, manages a program operated by a buyer mobile terminal such as an associated mobile payment interworking program, and processes a request for confirmation and payment information approval to the buyer; A payment information transmission / reception and processing unit for transmitting / receiving a payment confirmation request and a payment check program to a mobile terminal of a buyer, and requesting processing of a purchase credit card or gift certificate according to a signal of the mobile terminal of the buyer; A payment execution unit for performing a credit card or gift certificate payment for the goods or services in connection with the payment related server based on the payment request and the authorization information, and an approval / cancellation unit; A notification unit which receives a payment processing result provided from the payment related server and notifies the buyer mobile terminal and the seller terminal or the seller system of the payment processing result; And a system database unit of all history management, data management, and the like of the mobile payment server.

According to an embodiment of the present invention based on the mobile payment server and method according to the present invention, the following effects are provided.

First, the seller may request payment using the mobile terminal of the buyer, where and when the buyer is, and payment processing may be performed quickly. Accordingly, even from the seller's point of view, the goods can be settled anywhere, thereby increasing sales.

Secondly, the existing seller only needs to confirm the purchase without the hassle of having to receive credit information, such as the credit card number of the remote buyer, every day, so that the seller's sales time can be shortened. Not only can the cost of counseling or systems (eg call centers) be significantly reduced, but it also increases the actual purchase rate.

Third, as payment is made without providing the seller's credit card information to the seller, it is possible to prevent a malicious accident caused by the buyer's credit card information being exposed to the seller.

Fourth, when a purchaser makes a purchase, he / she is provided with real-time gift certificate information and a payment method through the purchaser's mobile terminal, so that the buyer does not need to carry a real gift certificate directly, Without being used, there is an effect that can be used anytime and anywhere.

Fifth, the gift voucher can be linked with the mobile payment server for the gift voucher payment according to the example of the present invention without having to provide a separate mobile payment server, the mobile payment server according to the embodiment of the present invention in conjunction with the mobile payment server Issuance and certification of the used gift certificate is possible.

Sixth, even if the seller does not individually register as an affiliate of the card company, the credit card and the gift certificate payment process can be easily provided through the system according to the embodiment of the present invention. In addition, the purchaser may be provided with a credit card payment service through connection with a plurality of card servers and issuer servers through a payment system according to an exemplary embodiment of the present invention, without having to individually access a plurality of card servers providing various access methods. Can be.

Seventh, sellers or vendors, including delivery services, insurance sales, logistics services, delivery and return services, TV home shopping, agency operation services, quick service, mail-order sales, and door-to-door sales, provide additional equipment (wireless) for payment of goods. Card payment for goods can be facilitated without providing a card payment machine, a network card payment center, or the like.

Eighth, the buyer can purchase the goods sold by the seller, such as the above classification, even without the cash.

Ninth, buyers can facilitate payment for goods of the vendor class using mobile terminals without additional equipment.

Tenth, the purchaser can facilitate the payment for the goods of the company class using a mobile terminal without any additional equipment.

Finally, all the credit card information and gift certificate information used by the buyer managed in the buyer's mobile terminal is encrypted and stored, and also can be driven only by the above-described procedure, because the user can not find and drive at random, There is no risk of loss or theft of the mobile terminal.

Hereinafter, exemplary embodiments of the present disclosure will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present disclosure. In addition, when a part is said to "include" a certain component, this means that it may further include other components, without excluding other components unless otherwise stated.

1 is a connection relationship and system of a mobile credit card and gift certificate payment, processing and operation system using a buyer's mobile terminal, including a buyer's mobile terminal, a seller system, and a payment related server according to an embodiment of the present invention (hereinafter referred to as "mobile Collectively referred to as "payment system".

The payment, processing and operation system (hereinafter referred to as "mobile payment server") 100 of a mobile credit card or a gift certificate by a seller's request using a buyer's mobile terminal according to an embodiment of the present invention 100 Including the "mobile payment system" of the present invention, as shown in Figure 1 attached, through the network (including all wired and wireless networks, including the Internet, wireless communication network, mobile carrier mobile communication network, telephone network (PSTN), future network) 200 A plurality of buyer mobile terminals (including mobile carrier cell phones, PDAs, or wireless terminals) 300; In addition, it connects to a plurality of seller terminals or seller systems (including seller mobile terminals, seller's card inquiry / raising, point of sale, and seller's call center system) 400 that are registered and managed as an existing card or gift card affiliate. It is. In addition, the card server 500 of a plurality of card companies or a plurality of bank servers 600 are connected. In addition, a plurality of gift certificate issuer servers 700 using a mobile payment server in connection with issuance and authentication of gift certificates are also connected to a plurality of mobile communication company servers 800. The 500, 600, 700, and 800 may be operated by interworking and connecting to a general internet network, but according to an embodiment of the present invention, the mobile payment server 100 and a dedicated line or a self network Since it is to be interlocked with, (100) and (500), (600), (700), (800) is shown as being directly connected.

The purchaser mobile terminal 300 is a communication device capable of interworking with and accessing the mobile payment server 100 through the network 200 to transmit and receive data. The purchaser mobile terminal 300 may be connected to the network 200 through a mobile communication network and a wireless communication network of existing mobile communication companies. It may be a wireless mobile terminal including a cellular phone, a PDA, or the like, to which it can connect.

In addition, the seller terminal 410 may include a mobile phone, a PDA, a wireless terminal, and the like, which may be connected to the network 200 by a mobile communication network and an Internet wireless communication network of existing mobile carriers having the same functions as the purchaser mobile terminal 300. The payment system 420 of the seller may be a mobile terminal, and the seller credit card inquiry / payment machine connected to and operated with the mobile payment server 100 through the network 200 through an internet network, a PSTN network, a dedicated wired network, or the like. Merchant system, including POS, and seller call center payment system.

The card server 500 is operated by a card company such as a credit card, a financial institution such as a bank, and processes and manages transaction details for each issued card. To this end, the card server 500 includes a card database storing transaction details provided from affiliated stores for each issued card.

The bank server 600 is operated by each bank, and manages the deposit history for each issued account, and handles transfer between accounts. The issuer server 700 is operated by an issuer that issues each gift certificate, and processes and manages gift certificate authentication and transaction details for the issued gift certificate. To this end, the issuer server 700 includes a gift certificate database that is used by buyers and users for each gift certificate issued or distributed and stores transaction details provided from its affiliates. These card servers, bank servers and issuer servers may be collectively named "payment related servers."

In addition, the mobile telecommunication company server 800 is connected to the mobile payment server 100 through the wired network 200 of the Internet network or a dedicated line network, and are managed and operated by each mobile communication company, the mobile payment server 100 It authenticates and manages all mobile terminal-related programs, and also provides a result value for inquiries about terminal characteristics of the mobile terminal.

Meanwhile, the mobile payment server 100 connected to the terminals 300 and 410, the system 420, and the servers 500, 600, 700, and 800 perform a credit card or gift certificate payment for goods or services between the seller and the buyer. The goods or services herein include everything that is sellable to the buyer, such as tangible goods and intangible services.

2 illustrates the structure of a mobile payment server according to an embodiment of the present invention in detail. As shown in Figure 2, the mobile payment server 100 according to an embodiment of the present invention, the database unit 110, affiliated with the mobile payment of the merchant / management (terminal / system registration, history inquiry, payment inquiry, card company connection, etc. And seller management unit 120 to link the information in conjunction with the database unit 110,

Management of the buyer's history, the buyer's mobile terminal device and the associated program (registration, history inquiry, payment inquiry, transaction history inquiry, buyer authentication information, payment receipt processing and receipt) in conjunction with each component inside the system 100 Output, management, etc.), and the buyer management unit 130 that links information in conjunction with the database unit 110,

In addition, it manages various mobile payment-related programs installed in the mobile terminal of the purchaser in conjunction with each component of the system 100 to operate in conjunction with the mobile payment server 100 (terminal property interworking, inquiry, registration, payment formatter And a mobile terminal payment program manager 140 that links information by interworking with the database 110.

In addition, the card company server 500 is linked to the bank server 600, the issuer server 700, and the mobile carrier server 800 based on the information stored / managed in the database unit 110, the seller terminal 410 or the seller Payment information for receiving purchase goods payment information, which is a payment request for the payment goods or services purchased by the buyer from the system 420, and formatting them according to the buyer's terminal format and the seller's format, and processing the request for confirmation and payment information approval to the buyer. Establishing unit 150,

The payment information establishment unit 150 and the database unit 110 in conjunction with the payment confirmation request and payment check program to the buyer's mobile terminal, and transmits a purchase credit card processing request in accordance with the signal of the buyer mobile terminal 300 Payment information sending / receiving and processing unit 160,

In addition, in connection with the card company server 500, the bank server 600, the issuer server 700 based on the information stored / managed in the database 110, the payment for relaying a credit card or gift certificate payment for a predetermined article Execution unit 170, approval / cancellation processing unit 180 and the processing result notification unit 190 to notify the buyer's mobile terminal 300 and seller terminal 410 or the seller's payment system 420 of the payment processing result of the goods ).

The database unit 110 stores information such as history and management information about a seller, a buyer, a buyer mobile terminal, which can pay a credit card or a gift certificate through the mobile payment server 100 according to an embodiment of the present invention. Information is controlled, stored and managed by each component of the mobile payment server 100. Specifically, the database unit 110 includes an affiliated store DB 111, an affiliated store transaction details DB 112, an affiliated store management DB 113, an affiliated store terminal DB 114, a buyer information DB 115, a buyer authentication DB 116, Transaction history DB 117, buyer terminal DB 118 may be included.

Specifically, the merchant DB 111 is selectively registered as a merchant of a predetermined card company, the seller moves to the seller payment request for goods or services purchased by the seller through a mobile payment server according to an embodiment of the present invention Stores and manages the information on the merchants registered as merchants that can be settled by the terminal's confirmation and credit card or gift certificate. For example, merchant information such as terminal information of a seller, a service start date, a service end date, and information about a seller may be stored in correspondence with a seller identification number assigned to each seller.

Merchant transaction history DB (112) is stored and managed by the mobile payment server according to the embodiment of the payment history and management of the payment based on the mobile terminal of the buyer. For example, the transaction history information of the seller provided by the mobile system 100 with related information including a business number, a transaction date, an order number, an authorization number, a transaction amount, and a payment completion or cancellation corresponding to the seller identification number. Is stored.

The affiliated store management DB 113 stores information on affiliated store numbers of registered sellers that are selectively registered as a predetermined card company or an affiliated store for handling gift certificates. In addition, merchants are registered and managed as a merchant of a mobile payment server according to an embodiment of the present invention, and even if the card company or a gift voucher is not connected or operated according to the registration management, a credit card or a gift certificate is collectively accessed through the mobile payment server. Can be provided for payment. For example, an affiliated store number is stored for each card company registered in correspondence with a seller identification number.

Merchant terminal DB 114 is operated by the interlocking program provided by the mobile payment server according to an embodiment of the present invention for each terminal characteristics or payment system characteristics of each of the seller terminal 410 or seller payment system 420, such a Store and manage association information. For example, the operator number, terminal type, terminal number, terminal interworking program ID, terminal history information, and the like are stored.

The buyer information DB 115 stores information about the buyer who paid the credit card or the gift certificate by the mobile terminal payment interworking program provided by the mobile payment server according to the embodiment of the present invention. The purchaser information manages the purchaser information having a history of using the mobile payment server according to an embodiment of the present invention. For example, the purchaser identification number (i.e., the purchaser's wireless terminal number or i-Pin, which is the Internet Personal Identification Number) or the inhabitant of the purchaser. Part number), terminal number, terminal connection number, name, and service information (information on the payment method used by the buyer) are stored. In particular, the service information may be changed by updating the information each time a purchaser makes a payment using the mobile payment server. In accordance with the policy of a predetermined card company or a request for a gift certificate issuer, the use security of the purchaser may be provided according to the purchaser's authentication information, and a password may be added upon payment confirmation and request of the credit card or gift certificate. In addition, authentication methods (eg OTP-One Time Password, user password authentication, i-Pin, etc.) may be different for each mobile payment method (credit card, gift certificate, etc.) and should be controlled accordingly. The purchaser authentication DB 116 stores the above information. For example, the purchaser identification number, authentication type, payment method ID, payment method Application information is stored.

Transaction details DB 117 is stored and managed by the mobile payment server according to an embodiment of the present invention for the payment history and management of the credit card or gift voucher using the buyer's mobile terminal in response to the seller's request. Each information is managed by a buyer identification number. For example, the purchaser identification number, transaction date, order number, authorization number, payment amount, installment period, merchant number, business number, payment information, transaction type, and receipt information are stored. .

The purchaser terminal DB 118 is a mobile terminal used by the buyer for payment of a credit card or a gift certificate using the buyer's mobile terminal at the seller's request by the mobile payment server according to an embodiment of the present invention and used by the buyer at the time of payment. Information about the mobile payment interworking program is stored. Each buyer can use N (N> 0) different mobile terminals, and the DB is not registered in advance, but each time the payment request is processed in the mobile payment server and the mobile carrier server 800 in real time. Information is generated and operated in conjunction. For example, the purchaser identification number, terminal type, terminal model number, terminal characteristic information, service status information, ID according to the payment method, interlocking program information, payment method number, and the like are stored.

3 illustrates the interworking and association relations between the respective DBs 111 to 118 of the database unit 110. Each DB may be located in the mobile payment server 100, or can be operated by a separate database server can be seen by those having general knowledge in the art.

In addition, the seller management unit 120 links information in conjunction with the database unit 110, and registers the seller in the mobile payment server in order to process and approve the purchase goods or services determined by the purchaser with a credit card or gift certificate. And management, and the mobile payment server 100 preferably operates a business number for the seller as a key. Seller management unit 120 is also preferably operated in conjunction with the seller terminal 410 or the seller system 420. This stores and manages the seller specification of the payment information of the goods purchased from the seller in correspondence with the seller identification number in the databases 111 to 114 of the database unit 110.

In addition, the purchaser manager 130 may interwork with each component inside the mobile payment server 100 to manage the purchaser's history, the buyer's mobile terminal device, and the associated program (registration, history inquiry, payment inquiry, transaction history). Inquiry, purchaser authentication information, payment receipt processing and receipt output, management, etc., and the buyer identification number (buyer's wireless terminal number, or Internet Personal Identification) of the database (115 to 118) of the database unit 110 And store all the above information about the buyer in response to the i-Pin, which is a number, or part of the buyer's social security number).

In addition, the mobile terminal payment program management 140 manages various mobile payment related programs installed in the mobile terminal of the purchaser in conjunction with each component inside the mobile payment server 100 to operate in conjunction with the mobile payment server 100. And operation (including terminal characteristic interworking, inquiry, registration, payment formatter management, mobile credit card, mobile gift certificate, etc.), and the purchaser identification number or payment means ID of the database 116, 118 of the database unit 110. Correspondingly store and manage the information. In addition, if there is a mobile payment program that can be used by the buyer (for example, USIM-universal Subscriber Identity Module-Card, Virtual OTP credit card, etc.), it is provided with service from the carrier and the card company, which is a payment related server. Generate and store and manage the information corresponding to the purchaser identification number or payment means ID of the database 116, 118 of the database unit 110 and a buyer can select it.

In addition, the payment information establishing unit 150 purchases payment information (item or service) that is a payment request for payment goods or services purchased by the buyer from the seller terminal 410 or the seller system 420 through the network 200. , The seller's specifications, the seller's specifications, price specifications, and the buyer's mobile phone number, etc.) to generate and manage the data format, or formatter metadata, according to the buyer's terminal format and the seller's format, The formatter metadata is transmitted to the payment information transmitting / receiving and processing unit 160 for payment information approval processing, and linked with the seller identification number and the purchaser identification number of the databases 112, 115, 117 and 118 of the database unit 110. Store and manage all information

Also, the payment information transmission / reception and processing unit 160 interoperates with all of the metadata related buyer payment information from the payment information establishment unit 150 with the mobile terminal of the buyer through the network 200, and transmits to the mobile terminal of the buyer. A payment confirmation request and a payment check program are transmitted and received, and a credit card processing request for a purchased item or service is received and received according to a signal of a buyer mobile terminal 300, and according to the signal of the buyer mobile terminal 300, Generates final payment information and requests payment approval to the payment execution unit 170, and stores and manages all the above information in association with the seller identification number and the purchaser identification number of the databases 112, 115, 116 and 117 of the database unit 110.

In addition, the payment performing unit 170 may provide all payment related information (including payment request information as seller request information) of payment means (including credit cards, gift certificates, etc.) for purchase items formed from various components inside the mobile payment server 100. The information includes a seller's terminal or payment system number, a seller identification number, and may further include an identification number for the goods sold, and payment information--the card is a card payment. Number, card password, card expiration date, payment amount, the number of installment months, etc.), and the card company server 500 which is a payment related server through the network 200; In connection with the bank company server 600 and the gift certificate issuer server 700, the credit card or gift certificate payment is relayed to a predetermined item.

In addition, the approval / cancellation processing unit 180 receives the approval or cancellation result for the payment request from the payment related server, transmits the processing result to the processing result notification unit 190, and the databases 112, 115, 116, 117 of the database unit 110. In conjunction with the seller identification number and the buyer identification number of the), all the above information is stored and managed.

In addition, the processing result notification unit 190 notifies the purchaser's mobile terminal 300 and the seller terminal 410 or the seller's payment system 420 of the payment processing result of the goods, the information using the network 200 (Including a form of program interworking using a short message or a data communication network) performing notification by interworking with the seller mobile terminal 300 and the seller terminal 410 or the seller system 420 through the network 200. In addition, the history management of all payment processing results are completed, and the information is stored and managed in association with the database unit 110.

In another aspect of the invention, the purchaser may cancel and reapprove the payment authorization in consultation with the seller, in which case the previous payment authorization, approved by credit card or gift voucher, may be at an incorrect price of goods or services. , Or when a user wants to use another payment means (another credit card or gift certificate), etc. In this case, the payment information establishing unit 150 is the seller terminal 410 or the seller system 420 through the network 200. After canceling the credit card payment authorization from the service can be accepted. In this case, the payment establishment unit 150 transmits the cancellation of the approval of the transaction approved by the system 100 and the payment details of the purchased goods of the new transaction to the payment information transmission / reception and processing unit 160, and the payment information transmission / reception and The processor 160 transmits it to the buyer mobile terminal and receives confirmation thereof, and the payment performing unit 170 receives new payment request information from the buyer mobile terminal, and receives new payment related information (the seller-related information as payment request information- The information includes a seller's terminal or payment system number, a seller identification number, and may further include an identification number for the goods sold, and payment information--the card is a card payment. Number, card password, card expiration date, payment amount, the number of installment months, etc.), and the payment related server through the network 200 Associated with the card company server 500, four bank server 600, voucher issuer server 700, the relay process for the credit card or payment voucher to a predetermined article. The authorization / cancellation processing unit 180 performs a credit card payment authorization cancellation on a transaction already approved for payment according to the buyer's request to cancel the payment authorization, and authorizes a new item payment request to the payment request from the payment related server. It receives the approval, transmits the processing result to the processing result notification unit 190, and stores and manages all the above information in association with the seller identification number and the purchaser identification number of the databases 112, 115, 116 and 117 of the database unit 110. In addition, the processing result notification unit 190 notifies the purchaser's mobile terminal 300 and the seller terminal 410 or the seller's payment system 420 of the re-approval payment processing result after the cancellation of the goods.

In addition, in another aspect of the present invention, the buyer can cancel the payment approval in consultation with the seller, in which case the payment information establishing unit 150 is the seller terminal 410 or the seller system through the network 200 Receives a credit card payment authorization cancellation from 420, in which case the system 100 performs a payment authorization cancellation for the payment approved transaction, in which case the authorization / cancellation processing unit 180 responds to the purchaser's payment authorization cancellation request. Accordingly, the credit card payment authorization cancellation for the transaction already approved for payment is performed, and the result thereof is provided to the processing result notification unit 190 to be delivered to the buyer or the seller. The structure of the buyer payment system 100 according to the present embodiment is classified according to its processing function, and is not limited to the above-described one. For example, the purchaser payment system 100 may be implemented in a form including a card server 400 or a gift certificate issuer server 700 to perform payment processing by itself.

4 illustrates a structure of a buyer mobile terminal 300 in order to provide a payment system and a method using a mobile terminal according to an embodiment of the present invention. As shown in FIG. 4, in the mobile payment server according to an exemplary embodiment of the present invention, the purchaser mobile terminal 300 includes a check module 310 including a transmission / reception apparatus for transmitting data and short messages in all mobile terminals. , Payment formatter 320, mobile credit card module 330, mobile voucher module 340, inquiry / environment module 350, formatter metadata directory 321, payment history metadata directory 322, mobile credit card Metadata directory 331, mobile voucher metadata directory 341, the control unit of the payment system operating in the buyer mobile terminal according to an embodiment of the present invention is the 310, 320, 330, ( 340, 350, and the directory portion 321, 322, 331, and 341.

First, the configuration and operation of a mobile payment interworking program of the buyer mobile terminal 300 will be described in order to provide a payment system and method using a mobile terminal according to an embodiment of the present invention.

First, the mobile terminal for a mobile communication of a short message type of a mobile communication company communicates EI-SMS combined with a purchase confirmation short message and a payment check program from the payment information transmission / reception and processing unit 160 of the mobile payment server 100. Whether the payment check program, which is received through the network 200 and is a part of the received EI-SMS, is installed in the buyer's mobile terminal, the mobile payment interworking program operated and interlocked in the buyer mobile terminal according to the embodiment of the present invention. Check and, if installed, perform the check module 310 of the mobile payment interworking program control unit (Execution), and if not installed, set the payment program of the purchaser's mobile terminal to the mobile payment server 100 in the data communication network of the mobile communication network. Request through the network 200, receiving it and the mobile payment interworking program Performs (Execution), the check module 310 of the fisherman.

The check module 310 receives from the payment information transmission / reception and processing unit 160 through the network 200 in the form of purchase goods payment information metadata corresponding to the characteristics of the buyer terminal and formatter metadata, which is a designated directory of the buyer mobile terminal. In the directory 321 and the payment formatter 320 is executed (Execution),

The payment formatter 320 interprets the designated formatter metadata directory 321 to display the information in accordance with the purchaser's terminal, and when the information on the purchase item is confirmed, the mobile credit card module 330 or the mobile voucher module ( 340 is automatically executed (Execution),

The mobile credit card module 330 interprets the format of the mobile credit card to be used from the mobile credit card metadata directory 331 so that the buyer can use the credit card available to the buyer to send a payment request for the credit card to the network 200. The mobile payment server 100 transmits the mobile payment server 100 to the mobile payment server 100 and stores the purchased payment information of the formatter metadata directory 321 and the mobile payment information requested by the buyer in the payment history metadata directory 322. Delete the details of (321).

Also, when the buyer wants to use the gift certificate, the mobile gift certificate module 340 interprets the format of the mobile gift certificate to be used from the mobile gift certificate metadata directory 341 so that the buyer can request a payment for the gift certificate by using the available gift certificate. The mobile payment server 100 transmits the data to the mobile payment server 100 through the network 200, and stores the purchased payment information of the formatter metadata directory 321 and the mobile payment information requested by the buyer in the payment history metadata directory 322. And the details of the formatter metadata directory 321 are deleted.

The check module 310 of the controller according to an exemplary embodiment of the present invention of the purchaser mobile terminal 300 may provide information on purchase goods or services requested by the seller terminal 410 or the seller system 420 to the mobile payment server 100. The storage formatter 320 stores the formatter metadata directory 321 in the form of metadata that the payment formatter 320 can interpret and calls the payment formatter 320. Information in the form of metadata received from the mobile payment server 100 according to an embodiment of the present invention refers to the terminal characteristic information, the specification of the goods or services, the specification of the seller, the price specification, the necessary information of the vendor (company logo, Promotion information, etc.), a request time, and the like, and FIG. 5 provides an example of being stored and managed in the formatter metadata directory 321 according to an embodiment of the present invention. In general, the size of metadata information stored and managed in a formatter metadata directory according to an embodiment of the present invention is less than 1K byte.

In addition, the payment formatter 320 of the control unit interprets the information in the designated formatter metadata directory 321 to display the information in accordance with the buyer's terminal, and when the buyer confirms the information of the purchased goods, the buyer The mobile credit card module 330 may be executed to make a payment, or the mobile voucher module 340 may be executed to allow a buyer to pay with a gift certificate.

The mobile credit card module 330 also manages the mobile credit card metadata directory 331. The mobile credit card module 330 interprets the information in the mobile credit card metadata directory 331 and displays it on the buyer's mobile terminal, selects and authorizes the credit card to be used by the buyer, and credit card payment information (e.g., order Number, card company name, card number, CVC, expiration date, etc.) is encrypted by SSL (Secure Sockets Layer) to request the payment to the mobile payment server 100. The information in the mobile credit card metadata directory 331 stores information on the credit card used by the buyer, and it is natural that all information is encrypted and managed.

In addition, if the mobile credit card module 330 does not have the credit card metadata directory 331 information, that is, the first use of the buyer, the mobile credit card module 330 has a function of allowing the buyer to input / change the information of the credit card to be used. Do.

6 illustrates a form of a mobile credit card according to an embodiment of the present invention, which is managed by the mobile credit card module 330.

The information in the mobile credit card metadata directory 331 is in a metadata format and is encrypted so that the information cannot be viewed or taken by any other action, and the mobile credit card module 330 is also performed by the user (Execution). Is not performed, but is performed only by a procedure according to an embodiment of the present invention. In addition, even if the information of the credit card metadata directory 331 is displayed on the screen, as shown in FIG. 6, only a part of the information may be displayed to prevent negative use due to the loss or change of the buyer mobile terminal. In general, the size of the metadata information stored and managed in the credit card metadata directory according to the embodiment of the present invention is less than 1K bytes.

In addition, with respect to the mobile voucher module 340, the mobile payment server 100 receives a payment request from the seller, and the buyer's identification number (for example, a mobile terminal number, or a buyer identification) ID, etc.) and the payment price of the goods, by requesting the gift voucher issuer server 800 which is a payment related server through the network 200 whether there is a gift voucher that can be owned or used by the buyer or can be paid. When payment is possible, when the buyer receives available gift certificate information (including a gift certificate name, gift certificate authentication number, available amount or point, etc.), the payment information transmission / reception and processing unit 160 of the mobile payment server 100 is connected to the network. When the payment formatter 320 is performed through the 200, the mobile voucher to the metadata information of the gift certificate available to the buyer When the metadata directory 341 is stored and the mobile voucher module 340 is performed, the information in the gift voucher metadata directory 341 is interpreted and displayed on the mobile terminal of the buyer, the voucher is selected and approved by the buyer, and the voucher payment is made. Information (including order number, gift certificate name, gift certificate authentication number, gift certificate available amount, expiration date, etc.) is encrypted in Secure Sockets Layer (SSL) and requests payment to the mobile payment server 100. The information in the mobile voucher metadata directory 331 stores information on the vouchers that can be used whenever a buyer purchases an item, and all information is encrypted and managed.

7 illustrates a form of a mobile gift certificate according to an embodiment of the present invention, which is managed by the mobile gift certificate module 330. The information in the mobile voucher metadata directory 331 is in a metadata format and is encrypted so that the information cannot be viewed or taken by any other action, and the mobile voucher module 330 is also not executed by the user. It is only performed by the procedure according to the embodiment of the present invention. In addition, even if the information of the gift certificate metadata directory 331 is displayed on the screen, as shown in FIG. 6, only a part of the gift certificate metadata directory 331 may be displayed to prevent negative use due to loss or change of the buyer mobile terminal.

In addition, there is no need to have a gift certificate, so when you purchase an item, you can automatically use it if you have one, so you don't have to carry it all the time and you don't need to know where to use it. Make sure In general, the size of metadata information stored and managed in a gift certificate metadata directory according to an embodiment of the present invention is less than 1K byte.

Subsequently, in the payment system and method using the buyer mobile terminal through the network according to an embodiment of the present invention, an operation method of the mobile payment server including the payment system of the buyer mobile terminal will be described with reference to the accompanying drawings. 8 illustrates in detail the overall concept and operation of the mobile payment method according to an embodiment of the present invention, and FIG. 9 illustrates the flow of the process of FIG. 8 in detail.

First, equip payment related equipment for sellers or vendors, including most delivery services, insurance sales, logistics services, shipping and return services, TV home shopping, agency operation services, quick service, mail order, street sales, and door-to-door sales. A mobile credit card or gift card payment service including a buyer mobile terminal according to the implementation of the present invention is provided by a seller or seller having a difficult seller or seller, or a payment system or a credit card checker, but the buyer or seller who is difficult to receive payment directly from a long distance. In order to perform, register as an affiliate of the mobile payment server 100 according to an embodiment of the present invention (step (1)).

Merchant registration process (step (1), (1.a)) of the mobile payment server 100 can be made through a variety of paths, such as written registration in addition to registration through the network. The mobile payment server 100 is registered with the seller management unit 120 and accordingly is a merchant that can settle a mobile credit card or gift certificate in correspondence with a seller identification number in the databases 111 to 114 of the database unit 110. Information about the registered seller is stored (step (1.a)). According to this registration management, even if the seller does not directly access the predetermined card company server 500 or the predetermined gift certificate issuer server 700 through the mobile payment system 100 credit card payment service of multiple card companies or gift certificate payment service by multiple gift card issuers Can be provided in a batch.

Next, after the purchase of goods or services between the buyer and the seller is confirmed (S100), for example, the control system (in the embodiment of the present invention may be the seller system 420). Applying for a driving service, consultation of the section and the price to be surrogate operation is made, a surrogate driver is designated, the point of time when the buyer uses the surrogate operation service (S110) , another example, the call center server and payment program (of the present invention) In the embodiment, the seller system 420 may be provided.) At the point in time at which the buyer decides to purchase after consulting with the purchase item that the buyer and the counselor of TV home shopping want to purchase in the TV home shopping (S110), etc. ,

The process of performing a payment request (S120) of a mobile credit card or a gift certificate using a mobile terminal of a purchaser using the mobile payment server 100 according to an embodiment of the present invention (step (2)) is performed by the mobile payment server 100 Billing information establishment unit 150 of the purchased goods payment information-the goods or the payment request for the payment goods or services purchased by the buyer from the seller terminal 410 or seller system 420 through the network 200 Receives service specification, seller specification, price specification, buyer identification information (including buyer's mobile phone number, buyer identification ID-i-Pin, or name); By referring to the database (111, 113, 114) of the database unit 110, and determines whether the merchant is affiliated with the mobile payment (step (2.a)) (S130),

If the merchant is not registered with the merchant, the seller terminal 410 or the seller payment system 420 is notified of the seller payment (S140), and if the merchant is registered, based on the purchaser mobile terminal number of the purchase goods payment information By receiving the information of the terminal type, terminal model number, terminal characteristic information, service status information in conjunction with the server of the mobile communication (S150, S160), and stores the interlocking information with the database 119 of the database unit 110 ( Step (2.b)), and based on this, the metadata of the purchased goods information is generated in accordance with the terminal type of the buyer (step (2.b) (S170), confirming the purchase of goods to confirm the purchase of goods to the buyer) The short message, the short message and the payment check program are requested (S180) to the purchaser mobile terminal through the payment information transmission / reception and processing unit 160 (step (3)).

In addition, the item purchase confirmation EI-SMS in the step (3) is, for example, in the case of the surrogate operation EI-SMS in the short form "Thank you for using our surrogate operation. Do you want to pay by credit card?" As another example, if the seller is a TV home shopping, it can be said that EI-SMS in the short form "Thank you for using our TV home shopping. You have made a credit card payment." Confirmation of purchase of goods in step (3) The EI-SMS is transmitted to the purchaser's mobile terminal by the short message processing and transmission / reception method of the mobile communication network. When the receipt of the item purchase confirmation EI-SMS from the payment information transmission / reception and processing unit 160 of the mobile payment server 100 is received and confirmed through the mobile communication network 200 that communicates the short message form of the mobile communication company ( Step (3.a)) (S190), a payment check program which is part of the received EI-SMS is installed in the mobile terminal of the purchaser, the mobile payment interworking program is operated and interworked in the purchaser mobile terminal according to the embodiment of the present invention. Check (step (3.a)) (S200), and if installed (that is, the purchaser pays for the purchase using a credit card or gift certificate payment system using the purchaser's mobile terminal according to the embodiment of the present invention even before the current purchase) In this case, it means that the payment program of the purchaser mobile terminal according to the embodiment of the present invention is already installed.) Perform the check module 310 of the controller (Executi) on) (step (5)), and if not installed (i.e., the buyer first uses a credit card or gift certificate using the mobile terminal according to an embodiment of the present invention, or the buyer changes the mobile terminal, Request the mobile payment interworking program of the buyer mobile terminal through the network 200 of the data communication network of the mobile communication network (step (4)) (S210), and receives the same. Performing the control unit check module 310 (Execution),

In addition, when the payment information transmission / reception and processing unit 160 of the mobile payment server 100 receives a mobile payment interworking program request signal operated / controlled by the buyer mobile terminal from the buyer mobile terminal (S220), The mobile terminal payment program management (140) requests the processing, and based on the characteristics and program information of the buyer mobile terminal received from the mobile carrier server in the previous step of the mobile terminal payment program management (140) Create a linked program (including the control unit 310, 320, 330, 340, 350, directory structure), and store and manage the information corresponding to the purchaser identification number or payment means ID of the database 116,118 of the database unit 110 (step (4). .a)), which is used by the purchaser's mobile terminal as the carrier's data communications or Internet network. Including the network (step (4.b)) to be transmitted through the (200) and (S220),

In addition, the payment check program of step (3.a) of the buyer mobile terminal receives the payment program in step (4) and performs the control check module 310 (Step (5)) (S230) or Or, the payment program is already installed in the purchaser mobile terminal (Step (5)) (S230) to perform the control unit check module 310 (S230) the seller terminal 410 or the seller system 420 is the mobile Storing the formatter metadata directory 321 in the form of metadata in which the payment formatter 320 can interpret information about the purchased goods or services requested by the payment server 100 and driving the payment formatter 320. Include.

First, the purchase information information metadata request to the payment information transmission / reception and processing unit 160 of the mobile payment server 100 through the control unit check module 310 network 200 of the buyer mobile terminal through the network 200. In operation S240, when the payment information transmission / reception and processing unit 160 of the mobile payment server 100 receives the request, the payment information establishment unit 150 is performed to generate the purchase goods information metadata. Retrieve the purchased goods information metadata generated and stored by step (2.b), evict it (step (5.b)) (S290), and also if there is a gift certificate that the buyer can possess or use or can pay; To the issuer server 700, which is a payment related server, based on the purchaser identification number (step 5.c1) (S250), and the issuer server 700 receives the gift certificate information available to the buyer if the purchaser can pay with the gift certificate. Gift voucher name Generating a gift certificate authentication number, available amount or point, etc. (S260, S270), and transmitting it to the mobile payment server 100 (step 5.c2), which is the mobile payment server 100 ) Receives and generates a gift certificate metadata (S280), and the payment information establishment unit 150 combines the purchased goods metadata and the gift certificate metadata to generate payment metadata (step (5.d)) (S290) It transmits it to the buyer mobile terminal, and stores and manages the information of the database (112, 115, 117, 118) of the database unit 110.

In addition, the check module 310 of the purchaser mobile terminal receives and interprets the payment metadata from the mobile payment server 100, and stores the purchased item information metadata in the formatter metadata directory 321 and stores the gift certificate metadata. includes a mobile voucher meta data directory for storing (341), and drives the payment formatter 320 of the controller (step (5.e)) (S300).

Generating the purchase item information metadata and the gift certificate information metadata in the step (5.b) and step (5.d) has been described as a step by the metadata request of the buyer mobile terminal in the embodiment of the present invention In other words, the payment program of the buyer mobile terminal may be separately configured for each request, that is, a request for the purchase item information metadata and a request for the gift certificate metadata when the buyer wants to use the gift certificate.

In addition, the payment formatter 320 of the control unit interprets the information of the designated formatter metadata directory 321 and displays the information in accordance with the terminal of the buyer (S300), and the buyer confirms the information of the purchased goods (6). As shown in FIG. 10, the display according to the surrogate operation example is shown in FIG. 10, and in the case of the TV home shopping as another example, FIG. 11 shows a screen according to the result of the embodiment of the present invention. Naturally, the information is shown so that the purchaser can examine and confirm the information of the purchased goods in detail. The payment formatter 320 of the control unit performs the mobile credit card module 330 to allow the buyer to make a credit card payment (Execution), or performs the mobile voucher module 340 to allow the buyer to pay with the gift certificate ( Execution) (S300).

In addition, for the goods or services purchased by the buyer, whether there is a gift certificate that the buyer can use is automatically checked by the mobile payment server 100 and automatically stored in the buyer mobile terminal, so if the buyer purchased If there are no gift certificates available for the goods or services, the payment formatter 320 disables the mobile gift certificate module 340.

In addition, when the mobile credit card module 330 is driven, the mobile credit card module 330 interprets the information of the mobile credit card metadata directory 331 and displays the information on the buyer's mobile terminal and displays the credit card to be used by the buyer. Select and approve (S310), generate credit card payment information (including order number, card company name, card number, CVC, expiration date, installment period, etc.) (S320), the information is SSL (Secure Sockets Layer) ) Is encrypted and the payment request is made to the mobile payment server 100 (S330), the payment program of the buyer mobile terminal is terminated (step 7), and the request is sent / received by the payment information of the mobile payment server 100. And when the processing unit 160 receives this, it is interpreted (S340), the payment performing unit 170, the purchase goods information from the seller based on the purchase goods payment information and purchase goods order number received from the above Evict the information from the database unit 110 and combines it with the purchase item payment request received to generate information that the card company can approve payment (step 7.a) (S340), and the network 200 Through the card company server 500 and the bank company server 600, which is a payment related server, the credit card is relayed to a predetermined item (step 7.b) (S350, S360), and also an approval / cancellation processing unit. 180 receives the approval result for the payment request from the payment related server (step 7.c) (S360), and transmits the processing result to the processing result notification unit 190, the database unit 110 In conjunction with the seller identification number and the buyer identification number of the database (112, 115, 116, 117) of, and storing and managing all the above information (S360),

On the other hand, when the mobile voucher module 330 is driven, the mobile voucher module 330 interprets the information in the gift voucher metadata directory 341 and displays it on the mobile terminal of the buyer, selects and accepts the voucher to be used by the buyer ( S370), generating gift certificate payment information (for example, including an order number, gift certificate name, gift certificate authentication number, gift certificate available amount, expiration date, etc.) (S380), the information is encrypted in SSL (Secure Sockets Layer) Payment request to the mobile payment server (100) (S390), the end of the payment program of the buyer mobile terminal (step (8)), the payment information transmission / reception and processing unit 160 of the mobile payment server 100 When receiving this, it interprets this, the payment performing unit 170 is based on the purchase goods payment information and the purchase order number received from the purchase goods information from the seller data Evict the information from the base unit 110, and combines it with the purchase item payment request received, generates information that can be approved by the issuer (step (8.a)) (S400), the network 200 Through the process of relaying a gift certificate payment to a predetermined article in connection with the issuer server 700 which is a payment related server (step (8.b)) (S410, S420), and also the approval / cancellation processing unit 180 is related to the payment Receive the approval result for the payment request from the server (step 8.c), transmit the processing result to the processing result notification unit 190, and the seller identification number of the databases 112, 115, 116 and 117 of the database unit 110; And in conjunction with the buyer identification number, including storing and managing all the information (S420)

In addition, the processing result notifying unit 190 notifies the purchaser's mobile terminal 300 of the payment result of the goods to the purchaser's mobile terminal 300 by using the network 200 (including a form of a short message or a program interworking using a data communication network) ( Step (9.a)) (S430), and also notifies the seller terminal 410 or the seller's payment system 420 through the network 200 (step (9.b)) (S430), all payment processing results Completing the history management of the and to interlock with the database unit 110 to store and manage the information (S430).

Next, in the payment system and method using a mobile terminal through the network according to an embodiment of the present invention, for the goods or services determined by the buyer, the buyer paid for the goods, but the goods price error or wrong card use, etc. Due to the error of the payment, the payment method of the purchaser's mobile terminal after the approval of the credit card payment or gift voucher payment method of the mobile payment server including the payment system of the buyer's mobile terminal as a method to approve payment with reference to the accompanying drawings Shall be. 12 is a view illustrating in detail the overall concept and operation of the re-approval payment method after the mobile payment approval cancellation according to an embodiment of the present invention, Figure 13 shows the flow of the process of Figure 12 in detail.

If, for the reason of the above, for example, the previously paid purchase goods or services need to cancel the previous payment of the credit card or gift certificate and re-approve it again, the buyer consults with the seller, confirms the seller and approves the previous payment. After canceling and confirming the payment approval again (S500), for example, the control system (in the embodiment of the present invention, the seller system 420 may be provided). For example, there is a problem in the surrogate driving service price in the history, when canceling the previous payment approval, and wants to pay at a new price (S510), another example call center server and payment program (in the embodiment of the present invention) May be a seller system 420.) After purchase and payment of the buyer's goods in the TV home shopping, the use of another card for some reason When you want to cancel the previous purchase payment approval, such as want to re-approve (S510), using a mobile payment server 100 according to an embodiment of the present invention in the mobile credit card or gift card using the buyer's mobile terminal The process of canceling the approval and re-approval payment request (S520) is made (step 10),

The seller terminal 410 or the seller system 420 transmits the authorization cancellation information (including the reason for cancellation, the card authorization number, etc.) and the revised purchase item payment information for reauthorization (step 10), and the mobile payment The payment information establishing unit 150 of the server 100 approves the cancellation of the approval of the previous payment for the payment item or service purchased by the buyer from the seller terminal 410 or the seller system 420 through the network 200. Purchase information payment information for cancellation and repayment request-Specification of goods or services, seller details, price details, buyer identification information (including buyer's mobile phone number, buyer identification ID -i-Pin, or name) (Step 10.a), referring to the databases 111, 113, and 114 of the database unit 110 based on the seller identification number of the purchase goods payment information, the mobile of the seller Determining whether the merchant is affiliated with the item (step 10.b) (S530), if the merchant is not registered with the merchant, the seller terminal 410 or the seller payment system 420 notifies the seller request payment ( S540) If the merchant is registered, the terminal type, terminal model number, terminal characteristic information, and service status information are received in connection with the server of the mobile carrier based on the purchaser mobile terminal number of the purchase goods payment information (S550). (S560), and store interworking information with the database 119 of the database unit 110 (step 10.c), and based on this, generates metadata of the purchased goods information in accordance with the terminal type of the buyer (step (10.d) (S570),

In addition, for the items purchased by the buyer, the buyer cancels the previous payment approval and cancels the approval and re-approval confirmation short message to confirm the re-approval, the short message and the payment check program (re-approval confirmation EI-SMS ) Is a step (step 11) of requesting to the purchaser mobile terminal through the payment information transmission / reception and processing unit 160 (step 11), and re-approval confirmation EI-SMS after the approval cancellation of the step 11 For example, in the case of the above agent or TV home shopping, "You have canceled the previous approval number: xxxxx and requested re-approval. Would you like to cancel and re-approve?" EI-SMS in short form. Confirmation of re-approval after the cancellation of the approval of step 11 The EI-SMS is transmitted to the purchaser's mobile terminal by the short message processing and transmission / reception method of the mobile communication network.

Receive confirmation of EI-SMS after the cancellation of approval from the payment information transmission / reception and processing unit 160 of the mobile payment server 100 through the mobile communication network 200 which communicates a short message form of a mobile communication company, If it is confirmed (step 11.a) (S590), the payment check program which is part of the received EI-SMS is a mobile payment interworking program operated and interlocked in the buyer mobile terminal according to the embodiment of the present invention in the buyer's mobile terminal. Check if it is installed (step (11.a)) (S600), and if it is installed (that is, the buyer uses a credit card or gift card payment system using the purchaser mobile terminal in the embodiment of the present invention before the current purchase even once) In this case, the payment program and the device of the purchaser mobile terminal according to the embodiment of the present invention are already installed. Performing a module (310) (Execution) (step 13), and

If not installed (i.e., the first time a buyer uses a credit card or gift certificate using a mobile terminal according to an embodiment of the present invention for the first time, or the buyer changes the mobile terminal, etc.), the mobile payment server Requesting (100) the payment program of the buyer mobile terminal through the network 200 of the data communication network of the mobile communication network (step 12) (S610), receiving it and performing the control unit check module 310 (Execution). Steps,

In addition, when the payment information transmission / reception and processing unit 160 of the mobile payment server 100 receives a signal from the purchaser mobile terminal through a network to request a payment program request that is operated / controlled by the purchaser mobile terminal (S620), the processing thereof. Request the mobile terminal payment program management 140, and based on the characteristics and program information of the buyer mobile terminal received from the mobile carrier server in the previous step of the mobile terminal payment program management (140) Generate a linked program (including the controllers 310, 320, 330, 340, 350, and the directory structure) to store and manage the information corresponding to the purchaser identification number or payment means ID of the database 116, 118 of the database 110 (step 12). .a)), which may be used by the purchaser's mobile terminal, Transmitting through the network 200 (step 12.b) (S620),

In addition, the payment check program of step 11.a of the purchaser mobile terminal receives the payment program in step 12 and performs the control check module 310 (step 13) (S630) or Or, the payment program is already installed in the buyer's mobile terminal to perform the control unit check module 310 (Execution) (step 13) (S630), the seller terminal 410 or the seller system 420 is the mobile The formatter metadata directory 321 is stored in the form of metadata that the payment formatter 320 can interpret for the revised purchase item or service for re-approval requested by the payment server 100 and the payment formatter 320 Driving).

First, the controller check module 310 of the buyer mobile terminal through the network 200 is revised for re-approval to the payment information transmission / reception and processing unit 160 of the mobile payment server 100 through the network 200. When the purchase item information metadata request (step 13.A, S640) is received by the payment information transmission / reception and processing unit 160 of the mobile payment server 100, generation of the purchase item information metadata is performed. In order to perform the payment information establishment unit 150, retrieve the revised purchased goods information metadata generated and stored by the step (10.a), and to expel it (step (13.b)) (S690), In addition, if there is a gift certificate that can be owned or used by the buyer or can be paid, the issuer server 700, which is a payment related server, is requested based on the purchaser identification number (step 13.c1) (S650), and the issuer server ( 700) Buy if gift voucher is available Generates available gift certificate information (including gift card name, gift certificate authentication number, available amount or Point, etc.) (S660, S670), and transmits it to the mobile payment server 100 (step (13.c2)). The mobile payment server 100 receives the generated gift certificate metadata (S680), and the payment information establishment unit 150 combines the purchased goods metadata and the gift certificate metadata to generate payment metadata (step ( 13.d)) (S690) transmits it to the purchaser's mobile terminal, and stores and manages the information of the databases 112, 115, 117 and 118 of the database unit 110.

In addition, the check module 310 of the purchaser mobile terminal receives and interprets the payment metadata from the mobile payment server 100, and stores the revised purchase item information metadata in the formatter metadata directory 321 and stores the gift certificate. The metadata is stored in the mobile voucher metadata directory 341 and includes driving the payment formatter 320 of the control unit (step 13.e) (S700).

Generating the purchased goods information metadata and the gift certificate information metadata revised in the above step (13.b) and step (13.d) is a step in accordance with the metadata request of the buyer mobile terminal in the embodiment of the present invention Although described above, the payment program of the purchaser mobile terminal may be separately configured for each request, that is, a request for purchase goods information metadata and a request for gift certificate metadata when the buyer wants to use the gift certificate. .

In addition, the payment formatter 320 of the control unit interprets the information of the designated formatter metadata directory 321 and displays the information in accordance with the purchaser's terminal (S700), and confirms the buyer about the information of the revised purchase item for re-approval. As a result of this step (14), it is natural that the buyer is shown information so that the purchaser can review and confirm the information of the purchased goods revised after the previous cancellation of approval. The payment formatter 320 of the control unit should allow the buyer to select a credit card or gift certificate for re-approval, and perform the mobile credit card module 330 to execute the credit card payment, or the buyer It includes performing the mobile voucher module 340 (Execution) to make a payment with a gift certificate (S700).

In addition, as with the purchase of the product, for the revised purchase item or service for re-approval after the approval is canceled, it is automatically checked by the mobile payment server 100 and the purchaser mobile terminal is automatically checked by the mobile payment server 100 for the purchaser's gift certificate. Because it is stored, if there is no voucher that the buyer can use for the purchased goods or services, the payment formatter 320 disables the mobile voucher module 340.

In addition, when the mobile credit card module 330 is driven, the mobile credit card module 330 interprets the information of the mobile credit card metadata directory 331 and displays the information on the buyer's mobile terminal and displays the credit card to be used by the buyer. Select and approve (S710), generate credit card payment information (including order number, card company name, card number, CVC, expiration date, installment period, etc.) (S720), the information is SSL (Secure Sockets Layer) ) Is encrypted and the payment request is made to the mobile payment server 100 (step 15.a) (S730), the payment program of the buyer mobile terminal is terminated (step 15), and the request is sent to the mobile payment server 100 When the payment information transmission / reception and processing unit 160 of the) receives it, and interprets it (S740), the payment execution unit 170 based on the revised purchase goods payment information and the purchase order number received from the above From the seller Extracting the purchased goods information from the database unit 110, combined with the received purchase goods payment request, generates credit card purchase goods information and generates information that the card company can approve payment (step (15.b) )) (S740),

At the same time. The card company server 500 and the bank, which are related to payment through the network 200, based on the authorization number to be canceled and the transaction history requested by the seller in the steps 10 and 11 and confirmed by the buyer. The company server 600, the gift certificate issuer server 700 in conjunction with the request for approval cancellation (15.c) (S740), the payment server related card company server 500, bank company server 600, gift certificate issuer server ( 700 receives this, and processes the credit card cancellation based on the received transaction history information and the cancellation information for the authorization number (step 15.d) (S750) (S760), and the mobile payment server 100 ) Results,

In addition, the mobile system 100 receives the above result, has been canceled, the card company server 500, the bank, which is a payment related server through the network 200 based on the result information of the step (15.b) The credit card payment is relayed to the predetermined item re-approved in association with the server 600 (step 15.e) (S770 and S780), and the approval / cancellation processing unit 180 pays from the payment related server. Receive the approval result for the request (step 15.f) (S790), and transmit the processing result to the processing result notification unit 190, the seller identification number and the buyer of the database 112, 115, 116, 117 of the database unit 110 In conjunction with the identification number, including storing and managing all the above information,

On the other hand, when the mobile voucher module 330 is driven, the mobile voucher module 330 interprets the information in the gift voucher metadata directory 341 and displays it on the mobile terminal of the buyer, selects and accepts the voucher to be used by the buyer ( S800), generating gift certificate payment information (for example, including an order number, gift certificate name, gift certificate authentication number, gift certificate available amount, expiration date, etc.) (S810), the information is encrypted in SSL (Secure Sockets Layer) Payment request to the mobile payment server (100) (S820), the end of the payment program of the buyer mobile terminal (step 16), the request for transmitting and receiving payment information of the mobile payment server 100 and processing unit 160 When this is received, it is interpreted, and the payment performing unit 170 receives the purchased goods information from the seller based on the purchased goods payment information and the purchased goods order number received from the above. Evict the information from the base unit 110, and combines it with the purchase item payment request received, to generate information that can approve the issuer payment (step 16.a) (S830), and the network 200 In connection with the issuer server 700 which is a payment related server through the process of relaying a gift certificate payment to a predetermined item (step 16.b) (S840 and S850), the approval / cancellation processing unit 180 is also provided from the payment related server. Receive the approval result for the payment request (step 16.c), and transmit the processing result to the processing result notification unit 190, the seller identification number and buyer identification number of the database (112, 115, 116, 117) of the database unit 110 In conjunction with, including storing and managing all the above information,

In addition, the processing result notifying unit 190 notifies the purchaser's mobile terminal 300 of information (including a form of a short message or a program interworking using a data communication network) to the purchaser's mobile terminal 300 using the network 200. (Step 17.a) and (S860), and also notifies the seller terminal 410 or the seller's payment system 420 through the network 200 (step (17.b)) (S860), all payment processing The history management of the result is completed and the information is interlocked with the database unit 110 to store and manage the information (S860).

In a payment processing method such as a mobile credit card according to another aspect of the present invention, a method for canceling a credit card or gift voucher payment authorization using a purchaser's mobile terminal with respect to an item or service purchased by the purchaser is provided. The buyer's mobile terminal 300, the seller system (400, 410), and the card company server 500, the bank company server 600, the gift card issuer server 700, and the mobile carrier server 800 through the network including the mobile communication network In briefly explaining the operation structure and method according to an embodiment of the present invention based on the mobile payment server 100 connected to the configured payment related server, first, the previous approval by a credit card or gift certificate, , If the buyer cancels the card's authorization, for example, because of a buyer's remorse, or cash payment, After receiving a confirmation (e.g., in the case of delivery, if the seller has returned the goods sold, etc.), the seller confirms that the seller terminal 410 or the seller system 420 cancels the authorization information (the transaction authorization number to cancel). Requesting the seller's specification, the buyer's identification information (including the buyer's mobile terminal phone number, the buyer's identification ID -i-Pin, name, etc.) to the mobile payment server 100 through the network 200, and the mobile payment When the server 100 receives the information, based on the seller identification number of the approval cancellation information, it is determined whether the seller is affiliated with the mobile payment by referring to the databases 111, 113, and 114 of the database unit 110. If the merchant is not registered with the merchant, the seller terminal 410 or seller payment system 420 notifies the seller request payment, if the merchant is registered If it is based on the purchaser's mobile terminal number of the purchase goods payment information, and receives the information of the terminal type, terminal model number, terminal characteristic information, service status information in conjunction with the server of the mobile carrier, for the goods purchased by the buyer, Requesting the purchaser's mobile terminal through the payment information sending / receiving and processing unit 160 to cancel the previous payment approval to the buyer to confirm the cancellation short message, the short message, and the payment check program (the approval cancellation confirmation EI-SMS). Step,

In addition, the purchaser's mobile terminal receives the EI-SMS, and if the payment approval cancellation confirmation is provided from the mobile terminal, transmits the approval cancellation confirmation information to the mobile payment server 100, the mobile payment server 100 is Based on the approval cancellation confirmation information received from the purchaser mobile terminal in the step, the database unit 110 generates information including a detailed transaction history for the approved payment, the credit associated with the payment related server (500, 600, 700) Performs the cancellation of the approval of the transaction approval for the card or gift certificate, updates and manages all related information of the database unit 110 of the mobile payment server 100 based on the result of the approval cancellation processing, and processing result notification unit 190 ) Is a payment approval cancellation processing result to the buyer's mobile terminal 300 using the network 200 information (short message) Or a program interworking using a data communication network), and also notifying the seller terminal 410 or the seller's payment system 420 through the network 200.

In describing the concept of a payment settlement process according to an embodiment of the present invention, in particular, when a predetermined affiliate is registered as a representative affiliate of the mobile payment server 100, a plurality of seller terminals 410 corresponding to the affiliated store, The settlement process for the transaction based on the seller system 420 will be described. According to an embodiment of the present invention, as described above, the affiliated store may register one or more terminals or systems while registering as a representative affiliated store. The account numbers of the affiliated stores and sub sellers for settlement processing are registered respectively, and the fee distribution ratio between the affiliated stores and the respective sub sellers is also registered. Such information may be stored in, for example, the databases 111, 112, 113, and 114 associated with the affiliate store of the database unit 110. Thereafter, according to the purchase agreement between the buyer and the sub seller, a payment of a credit card or a gift certificate is made based on the sub seller's terminal 410, the system 420, and the transaction details are stored in the databases 112, 113, 115, 116 and 117. .

When the payment for the transaction is received from the card server 500 or the issuer server 700, the mobile payment server 100 transmits the deposit according to the fee distribution ratio between the seller and the sub seller stored in the database unit 110. The transaction price is settled and the settled amount is deposited into each sub seller's account and the seller's account. Therefore, credit card payment or gift certificate payment through sub-sellers registered with the seller is easily performed.

So far, the present invention has been described with reference to the preferred embodiment (s). Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Figure 1 schematically illustrates a mobile credit card and gift certificate payment system using a buyer's mobile terminal according to an embodiment of the present invention.

2 illustrates the structure of a mobile payment server according to an embodiment of the present invention.

Figure 3 illustrates the interworking and association between each DB of the database unit according to an embodiment of the present invention.

4 illustrates a configuration of a buyer mobile terminal according to an exemplary embodiment of the present invention.

5 illustrates an example of one metadata stored and managed in a formatter metadata directory according to an embodiment of the present invention.

6 illustrates an example of a mobile credit card of a buyer mobile terminal according to an exemplary embodiment of the present invention.

7 illustrates an example of a mobile voucher of a buyer mobile terminal according to an embodiment of the present invention.

8 illustrates in detail the overall concept and operation of the mobile payment method according to an embodiment of the present invention.

9 illustrates the flow of the process of FIG. 8 according to an embodiment of the present invention in detail.

FIG. 10 is a diagram illustrating one form of surrogate operation as an example of an embodiment of a payment formatter of a buyer mobile terminal according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating one form of TV home shopping as an example of an embodiment of a payment formatter of a buyer mobile terminal according to an exemplary embodiment of the present invention.

12 is a detailed diagram illustrating the overall concept and operation of the re-approval payment method after the mobile cancellation according to an embodiment of the present invention.

FIG. 13 illustrates the flow of the process of FIG. 12 according to an embodiment of the present invention.

Claims (51)

Regarding the goods or services purchased by the purchaser from the mobile payment server connected to the purchaser's mobile terminal, seller's terminal or seller's system, and payment related server through the network including wired / wireless internet network, telephone network, leased line network and mobile carrier's mobile communication network In the credit card payment method using the mobile payment server and the buyer's mobile terminal in the seller's payment request, (a) the seller's terminal or seller's system of the seller selling the goods or services purchased by the buyer through the internet or telephone network, the payment information of the goods-the seller's specification, the seller's specification, the price specification, the buyer Providing relevant information (including the buyer's mobile terminal telephone number, etc.) to the mobile payment server; (b) The mobile payment server receives and authenticates the purchase goods payment information of step (a), generates a purchase confirmation EI-SMS (including a purchase confirmation short message and a payment check program) to the buyer's mobile terminal. Transmitting; (c) the buyer's mobile terminal receives the EI-SMS in step (b), and the received payment check program checks whether the mobile payment interworking program is installed on the buyer's terminal, and automatically installs or links the program, Displaying the purchased goods information from the seller on the buyer's mobile terminal according to the characteristics of the buyer's terminal, and confirming the purchased goods information; (d) execute the mobile credit card module of the interworking program of the purchaser's mobile terminal, and generate the authorization information, including the purchase order number and the encrypted credit card information of SSL (Secure Sockets Layer); Transmitting to the mobile payment server through a network of a mobile communication network; (e) the mobile payment server receiving the authorization information of step (d), generating credit card payment information, and requesting a credit card payment for the article in association with the payment related server; (f) receiving the payment processing result from the payment related server; And (g) notifying the seller system and the buyer mobile terminal of the payment processing result; Credit card payment method comprising a. Mobile connected to the buyer's mobile terminal, seller terminal or seller system, payment related servers (card company server, bank company server, and telecommunication company server) through networks including wired / wireless internet network, telephone network, leased line network and mobile communication network of mobile carrier. The payment server cancels the credit card payment authorization / credit card payment by performing a credit card payment using the mobile payment server and the purchaser's mobile terminal in response to a payment request from the seller. In the credit card settlement method to say, (a) Payment authorization cancellation information (including reasons for cancellation, card authorization number, etc.) and repurchased purchases by the seller's terminal or seller's system of the seller selling the goods or services purchased by the buyer through the internet or telephone network; Providing to said mobile payment server payment information-a description of the goods or services to be sold, a seller's description, a price specification, and buyer-related information (including the buyer's mobile terminal telephone number, etc.); (b) the mobile payment server receives and authenticates the information in step (a), and generates an EI-SMS (including a short message and payment check program for approval cancellation and repayment), Transmitting the mobile terminal telephone number to the purchaser's mobile terminal; (c) the buyer's mobile terminal receives the EI-SMS in step (b), and the received payment check program checks whether the mobile payment interworking program is installed on the buyer's terminal, and automatically installs or links the program, Displaying re-purchased purchase item information for re-payment from the seller on the purchaser's mobile terminal according to the purchaser's terminal characteristics, and confirming the purchase item information; (d) Executing the mobile credit card module of the interworking program of the purchaser's mobile terminal, re-approval information-previous approval cancellation confirmation information, re-approval purchase goods order number, purchased goods order number, SSL (Secure Sockets Layer) Generating credit card information, etc.) and transmitting it to the mobile payment server through a network of a mobile communication network; (e) the mobile payment server receives the authorization information of step (d), generates credit card cancellation information and re-approved credit card payment information, and cancels the authorization for the credit card transaction authorization in connection with the payment related server. Performing; (f) the mobile payment server receiving the cancellation of authorization from the payment related server; (g) performing, by the mobile payment server, a credit card payment on the article in association with the payment related server based on the processing result; (h) the mobile payment server receiving the payment processing result from the payment related server; And (i) notifying the seller system and the buyer mobile terminal of the payment processing result; Credit card payment method comprising a. Mobile connected to the buyer's mobile terminal, seller terminal or seller system, payment related servers (card company server, bank company server, and telecommunication company server) through networks including wired / wireless internet network, telephone network, leased line network and mobile communication network of mobile carrier. In the credit card payment method for performing an authorization cancellation card payment using the mobile payment server and the buyer's mobile terminal in response to the seller's payment request for the goods or services purchased by the buyer in the payment server, (a) payment approval cancellation information-payment approval number, seller specification, buyer related information (including buyer's mobile terminal number, etc.)-from the merchant system through a network based on the internet network; Requesting; (b) the mobile payment server receives and authenticates the payment authorization cancellation information of step (a), and generates an authorization cancellation EI-SMS (including a prepaid payment cancellation short message and a payment check program) for the purchaser's mobile terminal. Transmitting the telephone number to the purchaser's mobile terminal; (c) the buyer's mobile terminal receives the EI-SMS in step (b), and the received payment check program checks whether the mobile payment interworking program is installed on the buyer's terminal, and automatically installs or links the program, Displaying, on the mobile terminal of the purchaser, information on the purchase history of the item to be canceled by the purchaser in accordance with the characteristics of the purchaser's terminal, and if the payment approval cancellation confirmation is provided, transmitting the approval cancellation confirmation information to the mobile payment server; (d) The mobile payment server generates the approval cancellation request information based on the approval cancellation confirmation information received from the buyer mobile terminal of step (c), and performs the approval cancellation for the transaction approval in connection with the payment related server. Making; (e) the mobile payment server receiving the cancellation of authorization from the payment related server; And (f) the mobile payment server notifying the seller system and the buyer mobile terminal of the payment processing result; Credit card payment method comprising a. The method of claim 1, wherein in step (b), or in step (b), or in step (b), In the authentication process, the purchase item payment information received by the mobile payment server includes the seller's business number or merchant number in the seller specification, and based on the number, the seller determines whether the merchant has participated in the mobile payment. Credit card payment method, including. The method of claim 4, wherein If the seller is not registered as an affiliated store for the mobile payment processing, or is not authenticated due to the expiration of the period during the authentication process, or if the purchase information payment information from the seller system is incomplete, Credit card payment methods, including notification and management. The method of claim 1, wherein in step (b) or in step (b), Based on the phone number of the buyer mobile terminal of the purchase goods payment information received by the mobile payment server, a terminal type, a terminal model number, terminal characteristic information, and service status information of the mobile terminal are provided from an associated mobile telecommunication company server. Based on the purchaser's payment information metadata (terminal information, terminal characteristic information, specification of the goods or services, seller's specification, price specification, distributor's necessary information-including company logo, promotion information, etc.) Credit card payment method, including the request time, etc.), so that it can be linked with the mobile payment program of the buyer mobile terminal. The method of claim 1, wherein in step (b), or in step (b), or in step (b), The Enterprise Interactive-SMS (EI-SMS) of step (b) is a combination of "short message and program", which is processed by a mobile carrier short message transmission / reception method, and transmitted to the buyer mobile terminal, and the buyer confirms the purchase. Credit card payment method, including the confirmation of purchases via SMS and the payment check program to be automatically performed. The method of claim 3, wherein in step (b), Based on the phone number of the buyer mobile terminal of the authorization cancellation information received by the mobile payment server, the terminal type, terminal model number, terminal characteristic information, and service status information of the mobile terminal are provided from the associated mobile telecommunication company server. Purchase goods payment information metadata (including terminal information, terminal characteristic information, specification of goods or services, seller's specification, price specification, vendor's necessary information, transfer authorization credit card information, etc.) according to the buyer's terminal characteristics By, the credit card payment method, including managing to be linked to the mobile payment program of the buyer mobile terminal. The method of claim 1, wherein in step (c), or in step 2, in step (c), or in step (c), (c1) the buyer mobile terminal receiving the EI-SMS (confirmation information and payment check program) of step (c) at the mobile payment server; (c2) checking the buyer, the received payment check program is automatically executed (Execution) to determine whether the mobile payment interworking program is installed in the mobile terminal of the buyer; (c3) If the program is not installed in the purchaser's mobile terminal, which means that the purchaser is the first user or the terminal is changed, the payment check program may include payment linkage request information (purchaser mobile terminal number and linkage program). Transmitting an identifier to the mobile payment server using a network of a mobile communication data network; (c4) The mobile payment server receives payment interworking request information and requests terminal information-device information, VM type, Version information, and service information from the mobile carrier server in order to generate the associated payment interlocking program. Receiving a processing result; (c5) The mobile payment server generates a mobile payment interworking program using a mobile terminal suitable for the purchaser's mobile terminal based on the processing result of (c4), and converts the mobile payment interworking program and purchased goods payment information metadata. Transmitting to a buyer mobile terminal; (c6) The purchaser mobile terminal receives the payment interworking program and the purchase goods payment information metadata of step (c5), and the payment check program of step (c2) automatically executes the received mobile payment interworking program (Execution). The mobile payment interworking program executed may further include displaying the purchased goods payment information metadata received in the step (c5) on the mobile terminal; Credit card payment method, including. 10. The method of claim 9, wherein if the payment check program received in the purchaser's mobile terminal is installed in the mobile terminal in step (c2), (c7) The payment check program received and performed in step (c2) executes the mobile payment interworking program (Execution), and requests the mobile payment server for purchased goods payment information metadata through a network of a mobile carrier data communication network. step; (c8) the mobile payment server transmitting the purchased goods payment information metadata to the buyer mobile terminal; (c9) the buyer mobile terminal receiving the purchased goods payment information metadata of step (c8) and displaying the metadata on the mobile terminal; Credit card payment method that includes The method of claim 9, wherein in step (c2), In the received payment check program, an identifier (program ID) for a program to be executed in the buyer mobile terminal has a parameter, and the program installation is checked on the buyer mobile terminal according to the program ID. Credit card payment method including changing, managing, storing and operating the parameter ID of the payment check program as necessary. The method of claim 9, wherein in step (c3), In order to make a credit card payment using the mobile payment server, a purchaser does not download the mobile payment interworking program (a kind of virtual machine (VM) from a mobile carrier) from a mobile carrier in advance and automatically installs it when necessary. Credit card payment method that can be operated by the mobile payment server. The method of claim 9, wherein in step (c6), The received mobile payment interworking program includes a payment formatter module, and the payment formatter module refers to a specific data directory (formatter metadata directory) of the buyer mobile terminal according to the directory operation rules specified by the mobile payment server and stored. Method of credit card payment including interpreting metadata and displaying specification of goods or services, seller's specification, price specification, vendor's necessary information, including company logo, promotion information, etc. . The method of claim 10, wherein in step (c9): The mobile payment interworking program includes a payment formatter module, and the payment formatter module refers to a specific data directory (formatter metadata directory) of the purchaser's mobile terminal according to the directory operation rules specified by the mobile payment server, and stores the stored metadata. A credit card payment method including interpreting and displaying a specification of a goods or service, a seller's specification, a price specification, a necessary information of a seller, including a company logo, promotion information, and the like, and displaying a request time for a buyer's mobile terminal. The method of claim 1, wherein in step (d) or in step (d), The mobile credit card module of the mobile payment integration program interprets the information in the mobile credit card metadata directory and displays it on the buyer's mobile terminal, selects and authorizes the credit card to be used by the buyer, and provides credit card payment information (e.g., an order number Credit card payment method by requesting payment to the system by encrypting SSL (Secure Sockets Layer). The method of claim 14, The mobile credit card metadata directory is managed only by a specific module (mobile credit card module in the present invention), and the information in the mobile credit card metadata directory is information about the credit card used by the buyer (card company name, card number, CVC). , Expiration date, or password before or after) and all information is encrypted and managed. The method of claim 15 If the mobile credit card module does not have the information stored in the credit card metadata directory, it provides the buyer with the ability to enter / change the information of the credit card to use (including card number, card expiration date, CVC number and password). And encrypting and storing the inputted information in the mobile credit card metadata directory information of the buyer mobile terminal, and managing only the specific module of the buyer mobile terminal. The method of claim 1, wherein in step (d) or in step (d), If the buyer has other mobile payment programs installed or operated on the mobile terminal (including USIM, VM credit cards, etc.), the buyer will be automatically aware of this, and the buyer will be able to select and request payment Including credit card payment method. The method of claim 3, wherein in step (d), The mobile payment server interpreting the received approval cancellation confirmation request and extracting a transaction history corresponding to the cancellation approval information from a database in which transaction details are stored; And requesting confirmation of a payment authorization cancellation on the transaction history. The method of claim 1, wherein in step (d) or in step 2, in step (d) and in step 3, in step (d), In the process of making payment at the mobile payment server at the request of a seller, the purchaser mobile terminal stores the payment processing process and the result on the buyer mobile terminal, including generating, receiving and managing metadata of the payment processing process. Credit card payment method, including operating steps. The method of claim 1, wherein in step (f) or in step (f), The mobile payment server interprets the received payment request, extracts the information of the purchased goods from the seller from the database unit based on the purchase article order number, combines the received credit card information with the received credit card information, and pays the card company. Credit card payment methods, including generating authoritative information and interworking with payment related servers. The method of claim 1, wherein in step (g), or in step (i), or in step (f), Credit card payment method for notifying the purchaser mobile terminal of the payment processing result in the form of a short message through a mobile communication network. The method of claim 1, wherein in step (b), or in step (b), or in step (b), The credit card including the payment interworking program is automatically executed by the EI-SMS, which is received by the buyer's mobile terminal, rather than the buyer searching for and executing one of several applications in his terminal directly. Payment Method. The method of claim 1, wherein in step (f), or in step (h), or in step (e), And storing and managing a transaction history including a payment processing process and a result of the payment using the buyer mobile terminal at the request of the seller in the mobile payment server. The method of claim 1 or 2, wherein the service of claim 3, The credit card of the buyer's mobile terminal of the seller's request, characterized in that the service is any one of the service including a proxy driving, home shopping, major shops, quick service, door-to-door sales, logistics, courier, food delivery, merchandise sales, travel agencies, etc. Credit card payment method, including mobile payment server using the scheme. Buyer's mobile terminal, seller's terminal or seller's system, payment related servers (card company server, bank company server, gift card issuer server, and telecommunication company server) In the payment method of the gift certificate using the mobile payment server and the buyer's mobile terminal in the payment request of the seller for the goods or services purchased by the buyer in the connected mobile payment server, (a) the seller's terminal or seller's system of the seller selling the goods or services purchased by the buyer through the internet or telephone network, the payment information of the goods-the seller's specification, the seller's specification, the price specification, the buyer Providing relevant information (including a buyer's mobile terminal phone number, a buyer identification ID -i-Pin, name, etc.) to the mobile payment server; (b) the mobile payment server receives and authenticates the purchase goods payment information of step (a), and if there is a gift certificate available to the buyer, generates information on the gift certificate, and confirms the purchase EI-SMS (purchase confirmation Generating a short message and a payment check program) and transmitting the short message and a payment check program to the buyer's mobile terminal at the buyer's mobile terminal number; (c) the buyer's mobile terminal receives the EI-SMS in step (b), and the received payment check program checks whether the mobile payment interworking program is installed on the buyer's terminal, and automatically installs or links the program, Displaying the purchased goods information from the seller on the buyer's mobile terminal in accordance with the characteristics of the buyer's terminal, and confirming the purchased goods information; (d) Executing the mobile voucher module of the linked program of the purchaser's mobile terminal (Execution), including the approval information-purchase order number, SSL (Secure Sockets Layer) encrypted gift certificate information, etc. Transmitting to the mobile payment server through a network of; (e) receiving, by the mobile payment server, the approval information of step (d), generating gift certificate payment information, and requesting a gift certificate payment for the goods in association with the payment related server; (f) receiving the payment processing result from the payment related server; And (g) notifying the seller system and the buyer mobile terminal of the payment processing result; Voucher payment method comprising a. Connect with buyer's mobile terminal, seller terminal or seller system, payment related servers (card company server, bank company server, gift card issuer server and telecommunication company server) through network including wired / wireless internet network, telephone network, leased line network and mobile communication network of mobile carrier. In the gift voucher payment method for the authorization cancellation card payment using the mobile payment server and the buyer's mobile terminal in the seller's payment request for the goods or services purchased by the buyer in the mobile payment server, (a) Payment approval cancellation information-payment approval number, seller specification, buyer related information (including buyer's mobile terminal number, etc.)-from the merchant system through a network based on the internet network; Requesting; (b) the mobile payment server receives and authenticates the payment approval cancellation information of step (a), generates an approval cancellation EI-SMS (including an approved payment cancellation short message and a payment check program), and the buyer's mobile terminal. Transmitting the telephone number to the purchaser's mobile terminal; (c) the buyer's mobile terminal receives the EI-SMS in step (b), and the received payment check program checks whether the mobile payment interworking program is installed on the buyer's terminal, and automatically installs or links the program, Displaying, on the mobile terminal of the purchaser, information on the purchase history of the item to be canceled by the purchaser in accordance with the characteristics of the purchaser's terminal, and if the payment approval cancellation confirmation is provided, transmitting the approval cancellation confirmation information to the mobile payment server; (d) The mobile payment server generates the approval cancellation request information based on the approval cancellation confirmation information received from the buyer mobile terminal of step (c), and performs the approval cancellation for the transaction approval in connection with the payment related server. Making; (e) the mobile payment server receiving the cancellation of authorization from the payment related server; And (f) the mobile payment server notifying the seller system and the buyer mobile terminal of the payment processing result; Voucher payment method comprising a. The method of claim 26, wherein in step (b) or in step (b), The authentication process includes the seller's business number or the merchant's number in the seller specification of the purchase payment information received by the mobile payment server, and based on this number, the merchant determines whether the merchant is affiliated with the mobile payment. Voucher payment method, including. The method of claim 28, If the seller is not registered as a merchant for the mobile payment processing or is not authenticated due to the expiration of the period during the authentication process, or if the purchase information payment information from the seller system is incomplete, Voucher payment methods, including notification and management. The gift certificate information generation of the step (b) of claim 26, (b1) The mobile payment server generates the gift certificate information (including the gift certificate name, gift certificate authentication number, gift certificate available amount, gift certificate number, BarCode, etc.) by interlocking with the issuer server based on the buyer information among the received information. Making; (b2) storing the gift certificate information generated in the step (b1) in an association database and generating gift certificate metadata in a form that can be interpreted by the mobile gift certificate module of the buyer mobile terminal; Voucher payment methods including The method of claim 26, wherein in step (b), Based on the telephone number of the purchaser's mobile terminal, the terminal type, terminal model number, terminal characteristic information, and service status information of the mobile terminal are received from the associated mobile carrier server. By generating payment information metadata (including terminal information, terminal characteristic information, specification of goods or services, seller's specification, price specification, vendor's necessary information-including company logo, promotion information, etc.), Voucher payment method, including managing to link with the mobile payment program of the buyer mobile terminal. The method of claim 27, wherein in step (b), Based on the phone number of the buyer mobile terminal of the authorization cancellation information received by the mobile payment server, the terminal type, terminal model number, terminal characteristic information, and service status information of the mobile terminal are provided from the associated mobile telecommunication company server. Purchase goods payment information metadata (including terminal information, terminal characteristic information, specification of goods or services, seller's specification, price specification, seller's necessary information, previously approved gift certificate information, etc.) according to the buyer's terminal characteristics By, the voucher payment method including the management to enable the mobile payment program of the buyer mobile terminal. The method of claim 26, wherein in step (b) or in step (b), EI-SMS (Enterprise Interactive-SMS) is a form of a short message and a program combined with a mobile carrier short message transmission method is transmitted to the buyer's mobile terminal, the buyer confirms the purchase through the purchase confirmation EI-SMS, A voucher payment method that includes an automatic checkout program. The method of claim 26, wherein in step (c) or in step (c), (c1) the purchaser mobile terminal receiving the purchase confirmation EI-SMS (purchase confirmation information and payment check program) of the step (c) at the mobile payment server; (c2) confirming the purchase, the received payment check program is automatically executed (Execution) to determine whether the mobile payment interworking program is installed in the mobile terminal of the buyer; (c3) If the program is not installed in the purchaser's mobile terminal, for example, the purchaser is the first user or the terminal is changed, the payment check program provides payment interworking request information (purchaser mobile terminal number and the associated program identifier). And transmitting to the mobile payment server using a network of a mobile communication network; (c4) The mobile payment server receives payment interworking request information and requests terminal information-device information, VM type, Version information, and service information from the mobile carrier server in order to generate the associated payment interlocking program. Receiving a processing result; (c5) the mobile payment server generates a mobile payment interworking program using a mobile terminal suitable for the mobile terminal of the buyer based on the processing result of (c4), and the mobile payment interworking program, the gift certificate metadata, and the purchased goods Transmitting the payment information metadata to the buyer mobile terminal; And (c6) The purchaser mobile terminal receives the payment interworking program and the purchase goods payment information metadata of step (c5), and the payment check program of step (c2) automatically executes the received mobile payment interworking program (Execution). In addition, the executed mobile payment interworking program stores the gift voucher metadata received in the step (c5) in the mobile voucher metadata directory of the buyer mobile terminal and displays the purchased goods payment information metadata on the mobile terminal. step; Gift voucher payment method including. 35. The method of claim 34, wherein in step (c2), if the payment check program received by the buyer's mobile terminal is recognized by the mobile payment interworking program (if installed), (c7) The payment check program received and performed in step (c2) executes the mobile payment interworking program (Execution), and requests the mobile payment server for purchased goods payment information metadata through a network of a mobile carrier data communication network. step; (c8) the mobile payment server transmitting the gift certificate metadata and the purchased goods payment information metadata to the buyer mobile terminal; (c9) the buyer mobile terminal storing the gift voucher metadata of step (c8) in the mobile voucher metadata directory of the buyer mobile terminal, and receiving and displaying purchased goods payment information metadata on the mobile terminal; Voucher payment method that includes The method of claim 34, wherein in step (c2), In the received payment check program, an identifier (program ID) for a program to be executed in the buyer mobile terminal has a parameter, and the program installation is checked on the buyer mobile terminal according to the program ID. Voucher payment method including changing, managing, storing and operating the parameter ID of the payment check program as necessary. The method of claim 34, wherein in step (c3), In order to make a voucher payment using the mobile payment server, a buyer does not download the mobile payment interworking program (a kind of virtual machine (VM) from a mobile carrier) from a mobile carrier in advance, and automatically installs and operates when necessary. Voucher payment method that can be paid by the mobile payment server. The method of claim 34, wherein in step (c6), The received mobile payment interworking program includes a payment formatter module, and the payment formatter module refers to a specific data directory (formatter metadata directory) of the buyer mobile terminal according to the directory operation rules specified by the mobile payment server and stored. How to pay the gift voucher by interpreting the metadata to display the details of the goods or services, the seller's specifications, the price details, the vendor's necessary information, including the company logo and promotional information, and display the request time for the buyer's mobile terminal. . The method of claim 35, wherein in step (c9), The mobile payment interworking program includes a payment formatter module. The payment formatter module refers to a specific data directory (formatter metadata directory) of the buyer mobile terminal according to the directory operation rules specified by the mobile payment server. Method of payment of a gift certificate including the display of the item or service specification, the seller's specification, the price specification, the necessary information of the seller-including the company logo, promotional information, and the request time for the buyer's mobile terminal. The method of claim 26, The mobile voucher module of the mobile payment interworking program of step (d) interprets and displays the information in the mobile voucher metadata directory on the buyer's mobile terminal, selects and accepts the voucher to be used by the buyer, and receives the voucher payment information (for example, Order number, gift voucher name, gift voucher authentication number, gift voucher available amount, expiration date, etc.) is encrypted in the SSL (Secure Sockets Layer) encrypted payment method by the mobile payment server. The method of claim 40, The mobile voucher metadata directory is managed only by a specific module (in this example, the mobile voucher module), the information in the mobile voucher metadata directory is information about the vouchers available to the buyer (gift voucher name, voucher certificate number, voucher use). Voucher payment method, including possible amounts, gift voucher numbers, BarCode, etc.) and all information is encrypted and managed. 28. The method of claim 26, wherein in step (d) and in step 27, In the process of making a payment in the mobile payment server at the request of a seller, the buyer mobile terminal generates, operates, and stores the payment processing process and the result on the buyer mobile terminal, including generating, receiving, and managing metadata of the payment processing process. Voucher payment method, including the steps to: The method of claim 26, In the step (f), the mobile payment server interprets the received payment request, extracts information on the purchase goods from the seller from the database based on the purchase item order number, and combines the received gift certificate information. , A gift voucher payment method including generating information that the gift voucher issuer can approve and interworking with a payment related server. The method of claim 26, wherein step (g) or step (f) of claim 27, A gift certificate payment method of notifying the purchaser mobile terminal of the payment processing result through a mobile communication network in the form of a short message. The method of claim 26, wherein in step (b) or in step (b), The purchaser does not find and execute one of several applications in his terminal directly, but the gift card payment including automatic payment execution by the EI-SMS received by the buyer's mobile terminal. Way. The method of claim 26, wherein in step (f), In step (e), And storing and managing transaction details including a payment processing process and a result of the payment using the buyer mobile terminal at the request of the seller in the mobile payment server. The method of claim 26 or 27, wherein the service, The purchaser's mobile terminal of the seller's request, characterized in that the service is any one of the service including a proxy driving, home shopping, major shops, quick service, door-to-door sales, logistics, courier, food delivery, merchandise sales, travel agencies, tickets, etc. Gift voucher payment method including a mobile payment server using a gift voucher system. In a mobile payment system including a mobile payment server connected to a buyer's mobile terminal, a seller terminal or a seller system, a payment related server through a network including wired / wireless internet network, telephone network, leased line network and mobile carrier's mobile communication network, The mobile payment server, A payment reception unit receiving purchase goods payment information for a predetermined goods transaction from the seller terminal or a payment system; A payment information establishment unit for generating and managing data according to a buyer's terminal type and a seller's type, managing a program operated by a buyer's mobile terminal such as an associated mobile payment interworking program, and processing a request for confirmation and payment information approval to the buyer; A payment information transmission / reception and processing unit for transmitting and receiving a payment confirmation request and a payment check program to a mobile terminal of a buyer, and requesting a processing of a purchase credit card or a gift certificate according to a signal of the mobile terminal of the buyer; A payment execution unit for performing a credit card or gift certificate payment for the goods or services in connection with the payment related server based on the payment request and the authorization information, and an approval / cancellation unit; A notification unit which receives a payment processing result provided from the payment related server and notifies the buyer mobile terminal and the seller terminal or the seller system of the payment processing result; And A system database unit of all history management, data management, etc. of the mobile payment server; Mobile payment system, comprising a The mobile payment server of claim 48, wherein the mobile payment server is In response to a seller's identification number assigned to sellers registered as merchants through which the mobile payment server requests a seller's terminal or system and mobile payment processing of a credit card or gift certificate using a buyer's mobile terminal, Merchant database stored information about; A merchant transaction history database in which payment history and management information based on the purchaser's mobile terminal is stored and managed, and the transaction history is stored corresponding to the seller identification number; And An affiliated store management database storing information on affiliated store numbers of registered sellers that are selectively registered as affiliated stores of a predetermined card company, and information of a card company, an issuer, and the like; A buyer information database in which information about a buyer who has settled a credit card or a gift certificate by the mobile payment interworking program provided by the mobile payment server is stored, corresponding to the purchaser's identification number or mobile terminal number; According to the policy of a predetermined card company or the request of a gift card issuer, the purchaser's use security is provided according to the purchaser's authentication information, and information on the authentication method according to the medium is stored, and corresponding to the purchaser's identification number or mobile terminal number, A buyer authentication information database storing authentication information; Based on the purchaser's mobile terminal, information about the payment history and management of the payment is stored and managed. A buyer transaction history database in which transaction details are stored corresponding to the purchaser identification number or the mobile terminal number; And A buyer who stores information on the mobile terminal used by the buyer for payment of a credit card or gift certificate using the buyer's mobile terminal and a linked program used by the buyer for payment, and stores the information corresponding to the buyer's identification number or mobile terminal number. Terminal database; Mobile payment system characterized in that it further comprises. 49. The method of claim 48, wherein the buyer mobile terminal, A payment check module that manages the installation and operation of a mobile payment interworking program that can be linked to a purchaser by interworking with the mobile payment system; A check module for transmitting / receiving the data and storing and managing metadata such as purchased goods and gift certificates in a formatter metadata directory which is a designated directory of a mobile terminal; A payment formatter module for interpreting the information in the metadata directory to display and confirm the information according to the buyer's terminal, and to execute and manage the mobile credit card module or the mobile voucher module according to the buyer's selection; A mobile credit card module including interpretation and management of credit card metadata information, display, credit card information editing, encryption management, purchaser payment authorization information generation, an encrypted credit card payment request to the mobile payment server, and the like; A mobile credit card module including interpretation and management of gift certificate metadata information, display, encryption management, purchaser payment approval information generation, a gift certificate payment request encrypted to the mobile payment server, and the like; And An inquiry / environment module including a mobile payment program environment and a payment history inquiry function of a mobile terminal; Mobile payment system comprising a. 51. The method of claim 50, wherein the buyer mobile terminal, A formatter metadata directory and formatter metadata for managing and providing the purchased goods information or associated information in a directory unit for managing all metadata and data of the buyer mobile terminal; A mobile credit card metadata directory for storing and managing all encrypted metadata data for the credit card; A mobile gift voucher metadata directory for storing and managing all encrypted data vouchers for the gift voucher; And A payment history metadata directory for storing and managing data in metadata format by encrypting payment details paid by a buyer mobile terminal; Mobile payment system, characterized in that it further comprises.

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